Progressive Auto Insurance In Colorado: What You Need To Know

Progressive Insurance offers a range of auto insurance options in Colorado, including liability-only and full coverage policies. The company also provides additional coverages such as comprehensive and collision insurance, uninsured motorist insurance, and medical payments coverage. Colorado drivers can benefit from Progressive's competitive rates, various discounts, and superior claims service. The company is known for its outstanding customer service and easy claims process, making it a top-rated insurance provider.

Progressive's auto insurance coverage in Colorado

Progressive Insurance offers a range of auto insurance coverage options in Colorado, including liability insurance, comprehensive insurance, collision insurance, uninsured motorist insurance, and medical payments coverage.

Liability Insurance

Liability insurance is required for all drivers in most states, including Colorado. It covers property damage and injuries you cause to others in an accident, as well as related legal expenses. The minimum requirements for liability coverage in Colorado are $25,000 in bodily injury per person and $50,000 per accident, and $15,000 per accident for property damage.

Comprehensive & Collision Insurance

Comprehensive and collision insurance are often purchased together, especially for new or high-value vehicles. While not required by state law, they are usually required by your car lease or loan. Comprehensive insurance covers damage to your car from non-collision events such as fire, hail, vandalism, or hitting an animal. Collision insurance covers repairs to your car in an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist Insurance

Uninsured/underinsured motorist (UM/UIM) insurance covers your injuries and damages if you are hit by a driver with insufficient or no insurance. While not required in all states, it is mandatory in some, including Colorado. The minimum requirements for UM/UIM coverage in Colorado are the same as for liability insurance: $25,000 in bodily injury per person and $50,000 per accident, and $15,000 per accident for property damage.

Medical Payments Coverage

Medical payments coverage helps cover medical expenses for you and your passengers if you're injured in an accident, regardless of who is at fault.

Discounts and Savings

Progressive offers various discounts and savings opportunities for Colorado drivers. These include multi-policy discounts for bundling auto insurance with homeowners, renters, or condo insurance, as well as military discounts. New customers who bundle their home and auto insurance can save an average of 5% on auto insurance. Progressive also offers a Snapshot® program that personalizes your car insurance rate based on your driving habits, rewarding safe drivers with lower premiums.

Average Costs

The average cost of car insurance in Colorado is $97.30 per month for a liability-only policy from Progressive. However, costs can vary depending on factors such as your location, driving history, the coverages you choose, and the discounts you qualify for.

Local Presence

Progressive has a physical location in Colorado Springs, Colorado, which is one of their largest technology hubs in the country. This location does not accept walk-in customers, but representatives are available 24/7 by phone to report a claim or ask questions about your policy.

Discounts offered by Progressive in Colorado

Progressive offers a wide range of insurance products to meet your specific needs, including customized auto, home, renters, and condo insurance. Here are some of the discounts offered by Progressive in Colorado:

Multi-Policy Discounts

Progressive offers a multi-policy discount when you bundle your auto insurance with other types of insurance policies, such as homeowners, renters, or condo insurance. By combining these policies, you can unlock savings and simplify your insurance management.

Military Discounts

Progressive honors active-duty military and veteran members by offering a military discount on their insurance premiums. This discount recognizes and appreciates their service to the country.

Safe Driving Discounts

Progressive's Snapshot® program personalizes your car insurance rate based on your driving habits. The safer you drive, the more you can save. The Snapshot program uses telematics technology to monitor your driving frequency, time of day, and braking patterns, rewarding safe driving behaviors with lower premiums.

Three-Year Safe Driving Discount

Progressive also offers a three-year safe driving discount for customers who maintain a safe driving record. This discount encourages and rewards responsible driving behaviors.

New Customer Discounts

New customers who switch to Progressive can save a significant amount on their insurance premiums. On average, new customers save nearly $750 when they switch their insurance to Progressive.

Bundling Home and Auto Discount

Progressive offers a discount when you bundle your home and auto insurance policies. By combining these policies, customers can save over 20% on their insurance premiums on average.

These are just a few examples of the discounts offered by Progressive in Colorado. Progressive is known for its competitive rates and various coverage options, making it a top choice for insurance in the state. Be sure to explore all the available discounts and compare rates to find the best insurance plan for your needs.

Progressive's motorcycle and ATV insurance in Colorado

Progressive Insurance in Colorado offers a range of insurance options for motorcycle and ATV owners, providing peace of mind and financial security for enthusiasts of these vehicles.

Motorcycle riders in Colorado can take advantage of Progressive's flexible policies, which allow riders to choose from full coverage to liability-only plans. This means that riders can get protection against the unexpected while also accommodating their individual budget and coverage preferences. For example, Progressive's motorcycle insurance covers damage from accidents with other vehicles or objects, irrespective of fault. It also includes comprehensive insurance, which provides financial protection against theft, weather damage, and animal collisions.

ATV/Off-Road Insurance is also available from Progressive, offering specialized coverage for off-road riding and accessories. This includes bodily injury and property damage liability, as well as coverage for safety gear and accessories.

Progressive also offers broad form policies for off-road enthusiasts, which provide coverage for an individual rather than a specific vehicle. This type of policy is ideal for those who enjoy off-road adventures in Colorado's diverse landscape, as it provides flexible insurance for multiple vehicles or for those who may not own a car.

In addition to the above, Progressive offers several discounts for motorcycle and ATV insurance in Colorado. These include multi-policy discounts for bundling insurance, good driver discounts, and military discounts.

With Progressive's motorcycle and ATV insurance, adventurers and enthusiasts in Colorado can rest assured that they are protected while enjoying the state's rugged trails and beautiful landscapes.

Progressive's homeowners and renters insurance in Colorado

Progressive offers both homeowners and renters insurance in Colorado. While Colorado doesn't require homeowners insurance by law, your lender may require you to have a policy in place if you finance your home. A typical policy will include dwelling coverage, other structures coverage, personal property coverage, personal liability coverage, medical payments to others, and loss of use coverage. You can also add an endorsement to your policy, or a "rider," to cover specific items like jewelry, art, and collectibles.

Colorado renters can also benefit from Progressive's insurance policies. For less than $1 per day, renters insurance from Progressive protects your belongings whether they're in your apartment, backseat, or storage locker. Plus, if you can't stay in your residence due to a covered incident, Progressive will help pay for your temporary living expenses.

You can save money on both homeowners and renters insurance in Colorado by bundling your policy with auto insurance. Progressive offers a multi-policy discount for customers who bundle their home and auto insurance, and you can save over 20% on average nationwide.

How to file a claim with Progressive in Colorado

Progressive auto insurance is available in Colorado, and filing a claim can be done in several ways. Progressive offers a straightforward claims process, and representatives are available to help you through it.

Firstly, you can file a claim by logging in to your policy online or using the Progressive mobile app. You can also call the claims centre or report a claim as a guest if you are not a Progressive customer. You will be asked about the type of claim (accident, glass, theft/vandalism, fire, weather), the location of the incident, and whether you are eligible for repairs. If you are eligible, you can request an appointment with a repair shop in the Progressive network. Progressive will send you a confirmation email with a claim number and ask if you have any content, such as photos, videos, or documents, to share.

You can also file a claim by calling Progressive's 24/7 customer service line. You can ask any questions about the claims process, and a claims representative will be assigned to you. They will provide more details on the claims process and answer any questions.

After filing a claim, you can track its status in real-time online or through the mobile app. You will be able to see contact information for your claims representative and repair shop, a list of policy coverages and limits, your repair estimate, the status of your vehicle's repair or inspection, and an overview of payments.

Progressive offers multiple auto inspection and repair options. You can choose a repair shop from their network, and they will guarantee those repairs for as long as you own or lease your vehicle. Alternatively, you can use any shop you like, but they may not guarantee the repairs. You can also simply get an inspection to see what your damages are, and Progressive will send you payment for that amount, minus your applicable deductible. If you have a loan or lease, check with your lender to see if they require repairs.

For windshield and glass repairs, Progressive will ask for a few more details to determine if your glass can be repaired or replaced and explain the costs. They will also recommend repair options, such as Safelite AutoGlass, which can provide a quick and easy repair option at your home or work.

Remember that filing a claim is particularly important when people are injured, or there is damage to another person's car or property. Progressive is there to protect your interests and help when you're involved in an auto accident, no matter who was at fault.

Frequently asked questions