Progressive Direct Insurance Company is one of the largest auto insurance providers in the United States. The company was founded in 1937 and has been operating for over 80 years. With its headquarters in Mayfield Village, Ohio, Progressive Direct has been offering innovative insurance solutions to its customers. In this article, we will discuss everything you need to know about Progressive Direct Insurance Company.
History of Progressive Direct Insurance Company
Progressive Direct Insurance Company was founded in 1937 by Joseph Lewis and Jack Green. The company started as an auto insurance provider for high-risk drivers and non-standard vehicles. In the 1950s, Progressive Direct introduced the concept of monthly premiums, making it easier for customers to pay for their insurance policies. The company also launched a 24/7 claims service, enabling customers to report claims quickly and easily.
Over the years, Progressive Direct made significant strides in technology and innovation. In 1996, the company launched its website, allowing customers to obtain insurance quotes and purchase policies online. Progressive Direct also introduced the Snapshot program in 2008, which uses telematics to monitor driving behavior and offer discounts based on safe driving habits.
Today, Progressive Direct is one of the biggest insurance providers in the US, offering a wide range of insurance products including auto, home, and RV insurance.
Auto Insurance Options at Progressive Direct Insurance
Progressive Direct Insurance Company offers a variety of auto insurance options to its customers. These include liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
Liability coverage is mandatory in most states and helps cover damages to other vehicles or property if you cause an accident. Collision coverage helps cover damages to your own vehicle if you are involved in a collision. Comprehensive coverage helps cover damages to your vehicle not caused by a collision, such as theft, natural disasters, or vandalism. Personal injury protection helps cover medical expenses and lost wages if you or your passengers are injured in an accident. Uninsured/underinsured motorist coverage helps cover damages if you are involved in an accident with an uninsured or underinsured motorist.
Progressive Direct Insurance also offers other optional coverages such as roadside assistance, rental car reimbursement, and custom parts and equipment coverage.
Home Insurance Options at Progressive Direct Insurance
Progressive Direct Insurance also offers home insurance options to its customers. These include dwelling coverage, personal property coverage, liability coverage, and loss of use coverage.
Dwelling coverage helps cover damages to your home’s structure caused by covered events such as fire, theft, or natural disasters. Personal property coverage helps cover your personal belongings such as furniture, electronics, and clothing. Liability coverage helps cover damages if someone is injured on your property. Loss of use coverage helps cover additional living expenses if you are unable to live in your home due to covered damages.
Progressive Direct Insurance also offers other optional coverages such as water backup coverage, identity theft coverage, and earthquake coverage.
RV Insurance Options at Progressive Direct Insurance
Progressive Direct Insurance offers insurance options for recreational vehicles (RVs) such as motorhomes, travel trailers, and fifth wheels. These include liability coverage, collision coverage, comprehensive coverage, and personal injury protection.
Liability coverage helps cover damages to other vehicles or property if you cause an accident with your RV. Collision coverage helps cover damages to your RV if you are involved in a collision. Comprehensive coverage helps cover damages to your RV not caused by a collision, such as theft or natural disasters. Personal injury protection helps cover medical expenses and lost wages if you or your passengers are injured in an accident.
Progressive Direct Insurance also offers other optional coverages such as total loss replacement, vacation liability coverage, and emergency expense coverage.
Snapshot Program at Progressive Direct Insurance
The Snapshot program is a usage-based insurance program offered by Progressive Direct Insurance. It uses telematics technology to monitor driving behavior such as speed, braking, and time of day. Customers who participate in the program can earn discounts up to 30% based on safe driving habits.
Customers who opt into the program receive a device to plug into their vehicle’s OBD-II port. The device collects data on driving behavior and sends it to Progressive Direct Insurance. Customers can monitor their driving habits through the Snapshot app or website. Participants in the program can earn an initial discount of up to 5% just for signing up.
FAQ
What is the minimum coverage required for auto insurance?
The minimum coverage required for auto insurance varies by state. Most states require liability coverage, which covers damages to other vehicles or property if you cause an accident. It is important to check the minimum coverage requirements in your state and purchase adequate coverage to protect yourself in the event of an accident.
What is the cost of auto insurance at Progressive Direct Insurance?
The cost of auto insurance at Progressive Direct Insurance varies depending on several factors such as your driving history, age, and location. Customers can obtain a quote online or by speaking with a representative to determine the cost of their insurance policy.
What discounts are available at Progressive Direct Insurance?
Progressive Direct Insurance offers several discounts to its customers. These include multi-car discounts, safe driver discounts, and multi-policy discounts. Customers who participate in the Snapshot program can also earn discounts based on safe driving habits.
What is the process for filing a claim at Progressive Direct Insurance?
Customers can file a claim by visiting the Progressive Direct website or mobile app, calling the claims department, or contacting their local agent. It is important to report any accidents or incidents as soon as possible to ensure prompt processing of the claim.
Is Progressive Direct Insurance available in all states?
Progressive Direct Insurance is available in most states, but not all. Customers can check the availability of insurance products in their state by visiting the Progressive Direct website or speaking with a representative.
Conclusion
Progressive Direct Insurance Company is a major player in the insurance industry, offering a wide range of insurance products including auto, home, and RV insurance. With its innovative technology and usage-based insurance program, Progressive Direct is at the forefront of the industry. We hope that this comprehensive guide has provided you with a better understanding of Progressive Direct Insurance Company and its offerings.