Choosing the right auto insurance can be overwhelming, especially since there are so many options available in the market. Progressive Auto Insurance is a well-known option that has been around for decades. In this article, we will provide you with an in-depth review of Progressive Auto Insurance so that you can decide if it’s worth your money.
What is Progressive Auto Insurance?
Progressive Auto Insurance is one of the largest car insurance providers in the United States. It was founded in 1937 and has been a key player in the auto insurance market ever since. Over the years, Progressive has been committed to providing its customers with affordable car insurance solutions without compromising on quality.
Progressive offers a wide range of car insurance policies to suit the different needs and budgets of its customers. Whether you’re looking for basic coverage or a more comprehensive policy, Progressive has you covered.
What Are the Pros and Cons of Progressive Auto Insurance?
Pros
Flexible Policy Options
One of the main benefits of Progressive is that it offers a variety of policy options to choose from. Customers can select the coverage that best suits their needs and budget, whether it’s basic liability coverage or a more comprehensive policy that includes collision coverage and roadside assistance.
Discounts and Rewards
Progressive offers a range of discounts and rewards to help customers save money on their car insurance premiums. These include multi-car discounts, bundling discounts, and safe driver discounts. Progressive also offers Snapshot, a program that rewards safe driving habits with lower premiums.
24/7 Support
Progressive provides 24/7 customer support to assist customers with their insurance needs. Whether you need help filing a claim or just have a question about your policy, Progressive’s customer service team is available to help you.
Cons
Higher Premiums
While Progressive provides affordable car insurance options, its premiums can be higher compared to other insurance providers. This is especially true for customers who have a poor driving record or live in areas with high crime rates.
Limited Coverage
Another downside of Progressive is that it doesn’t offer as much coverage as some other insurance providers. For instance, it doesn’t provide gap insurance, which pays the difference between the actual value of your car and the amount you owe on your loan.
Deductibles and Fees
Progressive charges deductibles and fees for certain services, such as glass repair and replacement. This means that customers may end up paying more out of pocket than they would with other providers.
What Types of Coverage Does Progressive Offer?
Liability Coverage
Liability coverage is the most basic type of car insurance coverage. It covers damages and injuries that you may cause to other people while driving. Progressive offers two types of liability coverage: bodily injury liability and property damage liability.
Bodily Injury Liability
Bodily injury liability covers medical expenses and lost wages for people injured in an accident that you caused. It also covers legal fees if you are sued as a result of the accident. In most states, bodily injury liability coverage is mandatory.
Property Damage Liability
Property damage liability covers damages to other people’s property, such as their car or fence, that you may cause in an accident. Like bodily injury liability, property damage liability coverage is mandatory in most states.
Collision Coverage
Collision coverage pays for damages to your car if you collide with another vehicle or object, regardless of who is at fault. This type of coverage is optional, but it’s recommended for newer cars or cars that are still being paid off.
Comprehensive Coverage
Comprehensive coverage pays for damages to your car that are not caused by a collision, such as theft, vandalism, or weather-related damage. This type of coverage is optional, but it’s recommended for cars that have a high value or are at risk of theft or damage.
Personal Injury Protection
Personal injury protection (PIP) covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault. This type of coverage is mandatory in some states.
Roadside Assistance
Roadside assistance covers services such as towing, battery jump-starts, and tire changes if your car breaks down on the road. This type of coverage is optional, but it can be very helpful in case of emergencies.
How Does Progressive Auto Insurance Compare to Other Providers?
When it comes to car insurance, there are many providers to choose from. Here’s how Progressive compares to some of the other major players in the market.
Progressive vs. Geico
Geico is another well-known car insurance provider that offers affordable rates and flexible policy options. One major difference between Geico and Progressive is that Geico doesn’t offer as many discounts as Progressive. On the other hand, Geico has a better reputation for customer service and claims handling.
Progressive vs. State Farm
State Farm is the largest car insurance provider in the United States, with a reputation for excellent customer service and claims handling. However, State Farm’s rates tend to be higher than Progressive’s, and it doesn’t offer the same level of flexibility when it comes to policy options.
Progressive vs. Allstate
Allstate is another popular car insurance provider that offers a wide range of coverage options and discounts. However, Allstate’s rates are generally higher than Progressive’s, and it doesn’t offer the same level of 24/7 customer support.
FAQ
Question |
Answer |
|---|---|
Is Progressive Auto Insurance a good choice? |
Yes, Progressive Auto Insurance is a good choice for customers who want a range of policy options and discounts. |
How much does Progressive Auto Insurance cost? |
The cost of Progressive Auto Insurance varies depending on several factors, such as your location, driving history, and coverage options. Get a quote from Progressive to find out how much you’ll pay for your desired coverage. |
Does Progressive offer roadside assistance? |
Yes, Progressive offers roadside assistance as an optional add-on to its policies. |
Can I buy Progressive Auto Insurance online? |
Yes, you can buy Progressive Auto Insurance online through its website or mobile app. |
Does Progressive offer any discounts? |
Yes, Progressive offers a range of discounts and rewards to help customers save money on their car insurance premiums. |
Conclusion
Overall, Progressive Auto Insurance is a solid choice for customers who want a variety of policy options and discounts. While its premiums may be higher than some other providers, Progressive’s 24/7 customer support and rewards programs make it a great option for many drivers. If you’re considering Progressive for your car insurance needs, be sure to compare its rates and coverage options with other providers to find the best fit for you.