Progressive Auto Insurance: Everything You Need To Know

Progressive Insurance is one of the largest insurance companies in the U.S., serving more than 13 million policies in total. It offers a variety of insurance products, including auto, home, pet, and life insurance. Progressive has a wide range of coverage options and is known for its competitive rates, especially for drivers with poor credit or a DUI on their record. However, its customer service and claims handling have received mixed reviews, with some customers reporting issues with rate increases and claim resolutions. Overall, Progressive is a good option for tech-savvy and high-risk drivers looking for flexible coverage choices.

Progressive's customer service

Progressive offers 24/7 customer support via chat, email, phone, or social media. The company's general customer service number is 1-888-671-4405, and it also has a separate commercial customer service line (1-888-240-9839) that is open 24 hours a day, Monday through Friday, and 8:00 AM to 2:00 AM (EST) on Saturday and Sunday. Progressive's customer service allows policyholders to make changes to their policies, pay bills, report and track claims, print ID cards and proof of insurance, and more.

Reviews of Progressive's customer service are mixed. On the one hand, Progressive received an average rating of 4.34 out of 5 stars from over 53,000 reviews. Some reviewers praised Progressive's customer service representatives as nice, respectful, knowledgeable, and efficient. On the other hand, Progressive was ranked last in the customer service subcategory in a U.S. News review. In a consumer survey, only about 41% of respondents said they were completely satisfied with the ease of reaching Progressive customer service, and just 47% said they were completely satisfied with the customer service provided.

Reddit users have also shared a range of experiences with Progressive's customer service, from positive interactions with helpful agents to negative experiences involving unexpected premium increases and difficulty reaching a resolution with customer service representatives.

Progressive's rates

Progressive Insurance offers a wide range of insurance products, including auto insurance. Progressive is the number one combined personal and commercial auto insurance company.

Progressive offers affordable coverage options and a variety of discounts for its auto insurance. On average, drivers who switch to Progressive save nearly $750. Progressive also offers a discount for bundling home and auto insurance, which can save customers an average of 7%.

Progressive offers several discounts to help lower car insurance rates. These include discounts for continuous insurance, safe driving, good students, distant students, being a homeowner, having multiple vehicles, quoting online, signing documents online, and paying in full or setting up automatic payments.

Progressive also has a Loyalty Rewards program that offers benefits such as priority call routing and a lifetime renewal guarantee for long-term customers.

Overall, Progressive's rates are competitive and offer good value for money, especially for drivers with poor credit or a DUI on their record. However, their rates for teen drivers are relatively high compared to other insurers.

Progressive's coverage

Progressive Insurance offers a wide range of coverage options for its customers. The company provides insurance for cars, motorcycles, boats, recreational vehicles, all-terrain vehicles, homes, renters, pets, weddings and special events, and more.

Auto Insurance Coverage

Progressive offers the following standard types of auto insurance coverage:

• Liability auto insurance (covering property damage and bodily injury)
• Vehicle collision insurance
• Comprehensive insurance
• Medical payment coverage (MedPay)
• Personal injury protection coverage (PIP)
• Uninsured/underinsured driver coverage

Auto Insurance Coverage Options: Add-ons

In addition to the standard coverage types, Progressive offers the following extra coverage options:

• Roadside assistance
• Rental car reimbursement
• Gap insurance
• Custom parts and equipment value
• Rideshare insurance
• Pet injury insurance on comprehensive plans
• Deductible savings bank

Home Insurance Coverage

Progressive offers the following standard types of home insurance coverage:

• Dwelling coverage
• Other structures coverage
• Personal possessions coverage
• Loss-of-use coverage
• Personal liability coverage
• Medical payment coverage

Home Insurance Coverage Options: Add-ons

In addition to the standard coverage types, Progressive offers the following extra coverage options:

• Water back-up
• Personal injury

Renters Insurance Coverage

Progressive coverage plans for renters can come with protections for:

• Belongings or other parts of your property that are damaged from accidents
• Temporary living expenses if you are displaced from your rental
• Damages incurred by guests or their property in your rental
• Medical bills from accidents on your property

Life Insurance Coverage

Progressive offers several life insurance policies through eFinancial, including:

• Term life
• Final expense
• Short-term
• Whole life
• Universal life

Progressive's discounts

Progressive offers a wide range of discounts to help lower car insurance rates. Progressive's discounts can be divided into three main categories: loyalty-based, driver-based, and quote or payment-based.

Loyalty-Based Discounts

Progressive offers discounts for customers who purchase multiple policies. For instance, if you carry auto and boat insurance with Progressive, you'll get a discount on one of those policies. You can also combine auto with motorcycle, auto with RV, or any other combination of Progressive products. Progressive also offers a multi-car discount, where you can add any car to your auto policy as long as it's kept primarily at your address.

Driver-Based Discounts

Progressive offers a variety of driver-based discounts, including:

• Snapshot: Safe Driver Discount – Progressive personalizes your rate based on your actual driving. The safer you drive, the more you can save, with an average savings of $231.
• Good Student Discount – Full-time students aged 16-22 who maintain a "B" average or better are eligible for a discount of around 10%.
• Distant Student Discount – If you have a full-time student on your policy who is 22 years old or younger and lives more than 100 miles from your home without a vehicle at school, you'll receive a discount.
• Teen Driver Discount – Adding a teen driver to your policy can increase the price, but Progressive offers a discount to offset the cost.
• Homeowner Discount – Save up to 10% for owning a home, even if your home insurance is not with Progressive.

Quote or Payment-Based Discounts

Progressive also offers several discounts based on how you quote and purchase your policy:

• Online Quote Discount – Get an average discount of 7% for getting a quote online, even if a representative finalizes your policy.
• Sign Online Discount – Save an average of 9% by signing your policy documents online.
• Paperless Discount – Agree to receive Progressive documents via email and get a discount.
• Pay in Full Discount – Get a discount when you pay for your policy in full upfront.
• Automatic Payment Discount – Set up automatic payments from a checking account, credit card, or debit card and receive a discount.

In addition to these discounts, Progressive offers other tools to help you save on your car insurance, such as the Name Your Price Tool, which allows you to find coverage options within your desired budget, and the Deductible Savings Bank, which reduces your deductible in the event of a claim.

Progressive's claims

Progressive auto insurance offers a wide range of possible discounts and has the lowest rates for drivers with a DUI on their record. The company provides insurance for cars, motorcycles, boats, and RVs.

If a customer's car is damaged, they can choose to get their repairs completed or receive a payment. Progressive offers multiple auto inspection and repair options, and customers can choose any shop they like for repairs. The company has a network of repair shops around the country and guarantees repairs at these network shops for as long as the customer owns or leases their vehicle.

If a customer's car is determined to be a total loss, Progressive issues a payment for the value of the car minus the customer's deductible. The company manages the process and answers any questions the customer may have. Progressive provides a rental car for up to three days while the customer's vehicle is being assessed.

In terms of customer satisfaction, Progressive ranked 10th in a survey for claims handling. 34% of respondents said they were completely satisfied with how easy it was to file a claim, and 43% said they were completely satisfied with how their claims were resolved.

Frequently asked questions