Progressive Insurance: Love It Or Hate It?

Progressive Insurance is one of the largest auto insurance companies in the US, serving over 20 million drivers. It offers a wide range of insurance products, including auto, motorcycle, boat, renters, homeowners, pet, and commercial insurance. While Progressive has generally received positive reviews for its auto insurance, with an average rating of 4.34 out of 5 from over 50,000 customers, there are some mixed feelings about the company's other insurance offerings.

Progressive's auto insurance is known for its competitive rates, especially for students, safe drivers, and policyholders who make automatic payments. The company also offers a wide range of discounts and add-on coverage options, such as roadside assistance, custom parts and equipment protection, and rental reimbursement. Additionally, Progressive has a low level of complaints, indicating good customer service skills.

However, some customers have expressed concerns about unexpected increases in their monthly payments, issues with billing and fraudulent charges, and challenges with claims handling and customer service. Progressive's homeowners and renters insurance have also received some negative reviews, with higher prices and inconsistent coverage depending on the underwriters available in a customer's area.

Overall, Progressive Insurance is a well-known and established company offering a wide range of insurance products. While there are some mixed reviews, the company's auto insurance is generally well-regarded, especially for drivers with a spotty driving record or those looking for competitive rates and a variety of discounts.

Progressive's customer service

Progressive Insurance is one of the largest providers of car insurance in the United States, also offering insurance for motorcycles, boats, RVs, and commercial vehicles, as well as home insurance through select companies. The company has a long record of customer service complaints going back over a decade, but it also has thousands of positive reviews from customers.

Customer Service Options

Progressive offers customer service by phone, mail, email, and online chat. Its customer service representatives are available 24/7 and can help with various inquiries and concerns, including:

• Making payments
• Determining changes in premiums
• Making policy changes, such as updating addresses, switching vehicles, or adding drivers
• Obtaining policy documents
• Answering questions about Progressive's products and services

Customer Reviews

Progressive has received thousands of reviews from customers, with an average rating of 4.34/5 from 52,598 total reviews. While some customers have praised Progressive for its competitive rates, helpful customer service, and easy sign-up process, others have complained about issues with billing, rate increases, and deceptive practices. Here are some examples of customer reviews:

Positive Reviews:

• "Excellent, friendly, and extremely knowledgeable customer service! They were great to work with and pricing is wonderful!"
• "Very easy to sign up, quick and painless!"
• "I was with Geico for 28 years but progressive saved me a ton of money so I dumped Geico."
• "My local insurance man assured me Progressive is a solid way to go."

Negative Reviews:

• "THIS COMPANY WILL PULL MONEY OUT OF YOUR ACCOUNT WITHOUT YOUR PERMISSION!! NEVER ENROLL IN THEIR AUTO BILLING!"
• "Raised my rate only 2 months after getting my policy from $394 to $474, no accidents, no violations, no tickets, no warning..."
• "Do not trust this insurance company to help. They added a random person as a driver to my car policy WITHOUT my consent."
• "I have had Progressive for a few years and felt they were good. But...my 2010 Kia Soul got vandalized in October 2023. Today is 4/14/24 & I still do not have my car because they say it's fixable, but waiting parts."

Progressive's insurance rates

Progressive Insurance is one of the largest auto insurers in the US, serving over 20 million drivers. The company offers competitive rates in every state, with an average monthly policy cost of $192 for someone with a good driving record. However, Progressive's rates vary depending on factors such as coverage type, location, age, and driving record. The company also offers a range of discounts, including for students, safe drivers, and policyholders who make automatic payments.

Progressive's rates are determined by several factors, including age, location, driving record, vehicle usage, accidents, vehicle type, and more. The company offers a range of coverage options, including liability insurance, bodily injury liability, property damage liability, medical payments, comprehensive, collision, and uninsured or underinsured motorist coverage. Additionally, Progressive offers add-on coverages, such as roadside assistance, custom parts and equipment protection, rental reimbursement, and deductible savings.

Progressive's rates can also be influenced by changes in address, adding a new vehicle or driver, increases in claims in a specific ZIP code, and increases in car repair or replacement costs. The company offers tools to compare rates with other insurance companies to ensure customers find the best price.

Progressive also offers bundling options for home and auto insurance, which can result in additional savings. The company provides insurance for various vehicles, including motorcycles, boats, and RVs, as well as commercial and classic car coverage.

Progressive's insurance coverage

Progressive Insurance is one of the largest auto insurers in the US, serving over 20 million drivers. The company offers a wide range of insurance products, including auto, home, renters, condo, motorcycle, boat, RV, and business insurance.

Auto Insurance

Progressive offers basic auto coverage options, including bodily injury liability, property damage liability, medical payments, comprehensive, collision, and uninsured or underinsured motorist coverage. They also provide add-on coverage options, such as roadside assistance, custom parts and equipment protection, rental reimbursement, deductible savings, and ride-share coverage for drivers.

Home Insurance

Progressive's home insurance covers your belongings, temporary living expenses, home upgrades, and more, so you don't have to worry about gaps in coverage. You can also bundle your home and auto policies for additional savings.

Renters Insurance

Renters insurance from Progressive protects your belongings, whether they're in your apartment, car, or storage locker. It also helps cover temporary living expenses if you can't stay in your residence due to a covered incident.

Condo Insurance

Condo insurance from Progressive covers theft, damage, and more. It ensures that your belongings, temporary living expenses, home upgrades, and other aspects are covered, so you don't have to worry about gaps in coverage.

Motorcycle, Boat, and RV Insurance

Progressive is the #1 motorcycle insurance company in the US. They also offer boat and RV insurance, providing coverage for on-water towing, fuel spill removal, mechanical breakdowns, and more.

Business Insurance

Progressive's business insurance provides coverage for general liability, cyber insurance, commercial vehicles, and other aspects to protect your company from severe financial loss.

Customer Reviews

Progressive Insurance has received mixed reviews from customers. While some praise the company for its competitive rates, easy sign-up process, and helpful customer service, others have complained about issues with billing, claims handling, and unexpected rate increases. As of April 2024, ConsumerAffairs gave Progressive Auto Insurance a rating of 4.34 out of 5 stars, based on 52,598 total reviews.

Progressive's insurance discounts

Progressive Insurance is one of the largest auto insurers in the US, offering competitive rates and a wide range of discounts. The company has a rating of 3.9 out of 5 from WalletHub editors and above-average scores from organisations such as J.D. Power. Progressive also ranks in the cheapest 25% of insurance providers in terms of price.

Progressive Insurance Discounts

Progressive offers a range of discounts on its insurance products, including:

• Multi-policy discount: Customers can save an average of 7% when they bundle home and auto insurance with Progressive. It is also possible to combine other policies, such as home and motorcycle, auto and boat, or home and RV, to receive a discount on one of the policies.
• Safety and alarm discounts: Discounts are available for alarm systems, including burglar and fire alarms, as well as safety features like automatic sprinklers, security systems, and cameras in the home.
• New home construction: The newer the home, the bigger the discount.
• Florida Wind Mitigation: Florida residents may qualify for a discount if their residence has been fitted with Florida Building Code-certified roof and/or wind mitigation updates.
• Loyalty-based auto discounts: Progressive offers discounts for customers who have two or more policies with them.
• Continuous insurance: When customers switch to Progressive, the company honours the time they spent with their previous insurer with a discount. The amount varies based on how long the customer has been continuously insured and is applied upon the first policy renewal.
• Teen driver discount: Progressive offers a discount for teen drivers (18 years or under) after one year with the company.
• Accident forgiveness: Progressive offers accident forgiveness through its loyalty rewards program in most states. Small Accident Forgiveness means that the company won't raise rates for the first claim less than $500. Large Accident Forgiveness means that, for customers who have been with Progressive for at least five years and remained accident and violation-free for up to five years, rates won't increase if they have a claim.
• Snapshot: Safe driver discount: Progressive personalises rates based on actual driving. The safer customers drive, the more they can save, with an average saving of $231.
• Good student discount: Progressive offers a discount for full-time students who maintain a "B" average or better.
• Distant student discount: If a customer has a full-time student on their policy who is 22 years of age or younger and lives more than 100 miles from home, they will receive a discount as long as the student doesn't have a vehicle while at school.
• Multi-vehicle discount: Customers with more than one vehicle listed on their policy can receive a discount.
• Online quote discount: Customers are eligible for this discount when they quote car insurance online or if a licensed Progressive representative finishes their quote over the phone.
• Sign online discount: A discount is available for customers who are comfortable signing documents online.
• Pay-in-full auto discount: A discount is available for customers who pay for their policy in full upfront.
• Automatic payment discount: Progressive offers a discount for customers who set up automatic payments from a checking account, credit card, or debit card.

Progressive's insurance claims

Progressive Insurance is one of the largest auto insurers in the U.S., serving more than 20 million drivers. The company offers a wide range of insurance products, including auto, home, renters, motorcycle, boat, and RV insurance.

Claims Experience

Progressive aims to make the claims process as smooth and easy as possible. They offer multiple auto inspection and repair options, and customers are kept updated throughout the process. Progressive also guarantees repairs at network shops for as long as the customer owns or leases their vehicle.

Car Insurance Claims

Progressive provides a detailed breakdown of the claims process on their website. Customers can file a claim by logging into their policy, using the Progressive Mobile App, or by calling the claims center. The company encourages customers to contact them anytime they have a loss, especially if they need repairs.

Home/Property Insurance Claims

For home, condo, and renters insurance claims, customers can choose any contractor they prefer, or even opt for a DIY approach. Progressive also offers the Progressive Photo Estimate tool, which allows customers to submit photos and videos of damage through the mobile app and receive an estimate without an in-person inspection.

Motorcycle/ATV, Boat/PWC, and RV Insurance Claims

Progressive has established relationships with dealers and repair shops to ensure a smooth claims process for these types of vehicles. Customers can still choose another shop if they prefer.

Customer Reviews of Claims Experience

While Progressive has received generally positive reviews for its insurance products, there are some negative reviews specifically related to claims. Some customers have reported issues with deceptive practices, unexpected rate increases, and difficulties in removing unauthorized drivers from their policies. Others have praised Progressive for their friendly and knowledgeable customer service, fair rates, and easy sign-up process.

Frequently asked questions