Progressive Auto Insurance And Aaa: Unlocking Discounts And Benefits

Progressive offers a wide range of auto insurance discounts, but does being a AAA member give you access to additional savings? Progressive has 13 auto insurance discounts, including loyalty-based, driver-based, and quote or payment-based discounts. AAA, on the other hand, is known for its membership perks and roadside assistance programs, but its insurance offerings are also significant and popular among its members. While Progressive doesn't explicitly mention a discount for AAA members, both companies provide a variety of ways to save on auto insurance, so it's worth comparing their rates and discounts to find the best option for your needs.

Progressive's loyalty discounts

Progressive offers a range of loyalty-based discounts to its customers. These discounts are designed to reward customers for their continued loyalty to the company and can be a great way to save money on insurance premiums. Here is a detailed overview of Progressive's loyalty discounts:

Multi-Policy Discount:

Progressive offers a Multi-Policy Discount, also known as a Multi-Product Discount, which allows customers to save money by insuring multiple items with the company. For instance, if you have both auto and home insurance policies with Progressive, you can save an average of 5% to 7% on your auto policy. This discount also applies to other combinations of Progressive products, such as auto and boat insurance, auto and RV insurance, or any other combination of two or more policies.

Multi-Car Discount:

The Multi-Car Discount is applicable when you have more than one car listed on your policy. This discount allows you to save an average of 4% on your insurance premium. It is important to note that the additional cars should be kept primarily at your address to qualify for this discount.

Continuous Insurance Discount:

The Continuous Insurance Discount rewards customers for their continuous insurance history. When you switch to Progressive, the company honors your previous insurance coverage by providing a discount based on how long you have been continuously insured. This discount applies upon your first policy renewal with Progressive and varies depending on the length of your continuous insurance history.

Loyalty Rewards Program:

Progressive also offers a Loyalty Rewards Program, which provides benefits such as money-saving discounts and accident forgiveness. The longer you remain a Progressive customer, the more benefits you can unlock. This program includes levels such as Small Accident Forgiveness, Large Accident Forgiveness, Priority Call Routing, and Lifetime Renewal Guarantee. Additionally, bundling your home and auto policies can upgrade you to the Loyalty Plus status, granting access to even more perks.

Teen Driver Discount:

While adding a teen driver to your policy can increase the price, Progressive offers a Teen Driver Discount to offset the cost. This discount is applicable when you add a driver who is 18 years old or younger to your policy, and it applies after one year with Progressive.

Accident Forgiveness:

Progressive offers accident forgiveness benefits to its loyal customers. With Small Accident Forgiveness, Progressive won't raise your rate for your first claim that is less than $500. Large Accident Forgiveness applies if you've been a Progressive customer for at least five years and remained accident and violation-free during that period. In this case, your rate won't increase even if you have a claim.

These loyalty discounts demonstrate Progressive's commitment to rewarding its long-standing customers. By taking advantage of these discounts, customers can save money and enjoy additional benefits simply by maintaining their insurance coverage with the company.

Progressive's driver discounts

Progressive offers a range of driver-based discounts to help customers save money on their auto insurance. Here are the details on some of Progressive's driver discounts:

Snapshot Discount

The Snapshot program is a usage-based insurance initiative that tracks and personalizes your insurance rate based on your actual driving behaviour. The safer you drive, the more you can save. On average, drivers save over $12 per month or $231 per year with Snapshot. In most states, you get an automatic discount just for participating. While your rate could increase with high-risk driving, most drivers save with this program.

Teen Driver Discount

Parents or guardians who add a teen driver aged 18 or younger to their policy can benefit from this discount. The discount applies after one year with Progressive.

Good Student Discount

Full-time students under the age of 23 who maintain a "B" average or a 3.0 GPA or better are eligible for this discount. Progressive offers up to a 10% discount on their insurance.

Distant Student Discount

If you have a full-time student aged 22 or younger on your policy who lives more than 100 miles from your home and does not have a vehicle while at school, you can receive this discount.

Homeowner Discount

Homeowners with a home insurance policy can save with Progressive. You can save up to 10% on your car insurance, even if your home insurance is with another company.

Progressive also offers defensive driving discounts for those who complete approved defensive driving courses. These courses enhance your driving skills and make you less likely to get into accidents. After completing a course, you can submit your certificate of completion to Progressive, and the discount will be applied.

Progressive's quote or payment-based discounts

Progressive offers 13 auto insurance discounts to help customers save money. These discounts fall into three categories: loyalty-based, driver-based, and quote or payment-based. Here are some examples of Progressive's quote or payment-based discounts:

• Online Quote Discount: Customers can save an average of 7% on their insurance premium by getting their initial quote online, even if a representative finalises it later.
• Sign Online Discount: Signing policy documents online can lead to savings of around 9% on average.
• Paperless Discount: Customers can save more by opting to receive documents and notifications via email. This discount is dependent on signing documents online and is in addition to the sign-online discount.
• Pay in Full Discount: A small discount is offered if customers pay their entire six-month policy upfront instead of in monthly instalments.
• Automatic Payment Discount: Progressive offers convenience and a discount for setting up automatic payments from a checking account, credit card, or debit card. However, this discount cannot be combined with the pay-in-full discount.

Progressive's discount FAQ

Progressive Discounts FAQ

To get the Progressive paid-in-full discount, drivers need to pay for six months of coverage upfront. Customers in California and New York cannot get this discount due to state laws. Progressive does not specify how much you can save by paying in full, but similar discounts from other major car insurance companies range from 8% to 20%.

You can get a Progressive good student discount if you are a full-time student with at least a B average. This discount is available to students aged 16-22 and saves an average of 10%.

Yes, Progressive offers a military discount of 25% off auto insurance premiums, but only in Louisiana. This discount is available to eligible members of the US Armed Forces community who are based in Louisiana or have a spouse or dependents living there.

Progressive offers several levels of continuous insurance discounts, with the amount depending on how long you have been insured without interruption. The levels are: Silver (6 months), Gold (1-3 years), Platinum I (3-5 years), and Platinum II (more than 5 years).

Progressive does not advertise a defensive driving discount, but you may still be eligible for one. Progressive may lower your rates by about 5% if you complete an approved defensive driving course and meet certain qualifications, such as age or a clean driving record.

To get the Progressive sign-online discount, ask to sign your policy documents electronically when getting a quote. Progressive will email the documents you need to sign, and this will save you about 8.5% on average. This discount can be combined with the paperless discount for greater savings.

To get the Progressive paperless discount, you must sign your policy documents electronically and register for paperless billing within 45 days. The discount amount varies but must be combined with the sign-online discount.

You can get a Progressive safe driver discount by signing up for Snapshot, Progressive's telematics program. Snapshot tracks driving habits such as miles driven, acceleration, braking, time of day, and distracted driving. On average, safe drivers can save around $156 on their rate.

Progressive's insurance rates

Progressive offers a range of auto insurance discounts to help customers secure affordable rates. Progressive's insurance rates are influenced by various factors, including age, location, driving record, vehicle usage, accidents, vehicle type, and state requirements. Here is a detailed overview of Progressive's insurance rates and the factors that impact them:

Factors Affecting Progressive's Insurance Rates:

Several factors can influence Progressive's insurance rates. Age is a significant factor, with rates typically higher for younger drivers and decreasing or stabilizing as age increases. Location plays a crucial role, as living in a highly populated area with higher risks of theft, vandalism, and vehicle harm can increase rates. Vehicle usage is another factor, with vehicles used for business or ridesharing services potentially incurring higher rates.

Driving record is a critical aspect, as accidents, traffic violations, and claims can lead to rate increases. The type of vehicle also matters, with sports cars or convertibles possibly costing more to insure than standard sedans. Additionally, factors such as repair and replacement costs, state requirements, and driving habits can all impact Progressive's insurance rates.

Progressive's Discounts:

Progressive offers various discounts to help customers save on insurance rates. These include loyalty discounts, driver discounts, and policy discounts. Loyalty discounts are given to customers with multiple policies, such as bundling home and auto insurance, which can save an average of 7%. Continuous insurance discounts honor customers' previous insurance history, resulting in lower rates.

Driver discounts include the Snapshot program, which personalizes rates based on driving behavior, and a teen driver discount for parents adding teens to their policy. Good student discounts offer savings for students with a "B" average or better. Policy discounts include online quote discounts, sign-online discounts, paperless discounts, and pay-in-full or autopay discounts.

In conclusion, Progressive's insurance rates are influenced by a range of factors, and the company offers a variety of discounts to help customers secure affordable coverage. By understanding these factors and taking advantage of available discounts, customers can effectively manage their insurance costs with Progressive.

Frequently asked questions