Progressive's Auto Repair Insurance: Is It Worth The Hype?

Progressive Auto Insurance offers a wide range of insurance products to meet your specific needs, including customised coverages. Progressive is the second-largest auto insurance company in the United States, with a market share of around 15%. It has an A+ (Superior) financial strength rating with AM Best, indicating that it is dependable and able to pay out on future claims. Progressive provides standard types of car insurance, such as liability insurance, and stands out for its range of extra coverage types. It offers accident forgiveness, custom parts and equipment coverage, a diminishing deductible, gap insurance, rental reimbursement, rideshare insurance, pet injury coverage, and roadside assistance insurance. Progressive also offers mechanical breakdown insurance, which is a standalone policy that protects your vehicle from unexpected repairs and breakdowns.

Progressive's insurance for drivers with a DUI

Progressive is one of the few auto insurance companies that offer coverage to drivers with serious DUI offences. While many companies won't insure a driver after a DUI, Progressive will, although premiums are much higher. Progressive also offers accident forgiveness programs that can help drivers avoid a rate increase after an accident.

Progressive offers SR-22 filings and non-owner insurance, which those with a DUI sometimes need. A DUI doesn't always mean you need an SR-22, but if you do, Progressive will file it with your state. A DUI will stay on your driving record for three to five years in most states, and in California, it will stay on your record for 10 years.

Progressive's rates for drivers with a DUI are 31% cheaper than the national average. The national average rate for drivers with a DUI is $3,363 a year, while full coverage from Progressive costs around $212 per month, or $2,544 per year, after one DUI. Progressive also offers a wide range of discounts to help offset the higher premiums.

Progressive has a low level of complaints and has been shown to be a reliable company. It has been in business for over 85 years and has an A+ financial strength rating from AM Best, indicating that it is dependable and able to pay out on future claims.

Progressive's insurance for drivers with poor credit

Progressive Insurance is a good option for drivers with poor credit. Progressive's rates for drivers with poor credit are 16% lower than the national average of $3,889 a year. This amounts to a saving of around $1,200. Progressive's rates for drivers with poor credit are the fourth-lowest of the companies in the US News & World Report study.

Progressive's rates are also good for drivers with a DUI on their record. Progressive's rates for drivers with a DUI are 31% cheaper than the national average. Progressive also offers SR-22 filings and non-owner insurance, which may be required by drivers with a DUI.

Progressive's rates are mediocre for good drivers, drivers with a speeding ticket, and drivers who have caused an accident. Progressive's rates are also high for teen drivers.

Progressive has a low level of complaints, which suggests good customer service. Progressive's app is highly rated and allows customers to manage their insurance policies from their mobile devices.

Progressive is the second-largest auto insurance company in the United States, with a market share of around 15%. It has an A+ (Superior) financial strength rating, indicating that it is dependable and able to pay out on future claims.

Progressive's insurance for teen drivers

Progressive Insurance offers a range of options for teen drivers. While it can be expensive to insure a young driver due to their lack of experience, Progressive offers several discounts to help offset the costs.

Adding a Teen Driver to an Existing Policy

Firstly, it is important to note that a separate policy for a teen driver is rarely the most cost-effective option. Progressive, like other insurers, offers the option to add a teen driver to an existing policy. This is generally the most affordable choice, as the teen benefits from the lower rate of the more experienced driver. In addition, the teen driver will have access to all the coverages of the existing policy, including any extra coverages such as roadside assistance and rental car reimbursement.

Discounts

Progressive offers a variety of discounts for teen drivers, including:

• Good Student Discount: Teens with a B average or better can get around a 10% discount in most states.
• Multi-Car Discount: If your teen has their own vehicle, Progressive offers an additional discount for having more than one vehicle on the policy.
• Teen Driver Discount: For teen drivers aged 18 or younger who have been consistently insured for at least 12 months.
• Snapshot Program: This program rewards good driving habits and can help lower rates. It can also reveal if your teen was driving distracted.

Other Ways to Save

Progressive also suggests some other ways to save on car insurance for teens:

• Lower Your Coverage: Remove any coverages that are no longer needed.
• Increase Your Deductible: Increasing your comprehensive and collision deductible will reduce your rate, but it will also increase your out-of-pocket expenses if a claim is made.

Learner's Permit Insurance

Permit drivers are typically eligible for coverage under their parent's existing policy. This is usually the most cost-effective option, and it allows the permit holder to benefit from the same coverages as the rest of the family. However, if the permit holder doesn't live with their parent or guardian and isn't attending school, a separate policy may be needed.

Customer Reviews

Progressive's ratings for teen drivers are mixed. While they offer competitive rates, they are not the cheapest option. Progressive's sample rates for teen drivers are more than 30% higher than the national average. However, their rates are still thousands of dollars less annually than some other companies.

While Progressive may not offer the lowest rates for teen drivers, they do provide a range of discounts and options to help offset the costs. Their ratings suggest that they are a reliable choice, and their customer service and claims handling are generally considered good.

Progressive's insurance for senior drivers

Progressive Insurance is a good option for senior drivers for several reasons. Firstly, Progressive offers lower-than-average rates for senior drivers, with rates for female and male senior drivers below the national average. Progressive is also rated as the 6th best auto insurer for seniors.

According to Progressive's data, car insurance costs for seniors typically only start increasing from the age of 75 onwards. This is in contrast to drivers in their 50s and 60s, who may pay less for insurance than at any other time in their lives. Progressive's data shows that drivers in their 50s and 60s have a lot of driving experience while also being less likely to suffer from hearing or vision impairments, which contributes to lower insurance rates for this age group.

Progressive offers various discounts and ways for senior drivers to save on their car insurance. These include:

• Staying accident-free: By driving responsibly and avoiding crashes and moving violations, senior drivers can maintain a low insurance rate.
• Enrolling in usage-based programs: Progressive's Snapshot® program measures driver behaviour and rewards safe drivers with lower rates.
• Reducing mileage: If Progressive takes mileage into account, driving less can lower a senior driver's insurance rate, as it reduces the odds of being in an accident.
• Considering location: Moving to an area with lower crime and accident rates can positively impact insurance rates.
• Getting a newer and safer car: Modern safety features like rearview cameras, blind-spot monitoring, and lane departure warning systems can help reduce the chances of an accident and lower insurance rates.

In addition to the above, many states in the US mandate mature driver discounts for seniors who enrol in and complete state-approved driving courses offered by organisations like AARP, AAA, and The National Safety Council (NSC).

Progressive's insurance for drivers with a speeding ticket

Progressive Insurance is a good option for drivers with a less-than-perfect driving record. Progressive's rates for drivers with a speeding ticket are higher than some competitors but are still below the national average. Progressive's average rate for a driver with a clean record is $1,826 per year, while its average rate for a driver with a speeding ticket is $2,533 per year. Progressive's rates vary depending on the state, with a speeding ticket causing a rate increase of 81% in California but only 6% in New Jersey.

Progressive's rates for drivers with a speeding ticket are also influenced by factors such as the driver's previous driving history and how fast they were going when they received the ticket. For example, a driver with multiple tickets within the past few years may face higher penalties as Progressive may consider them a high-risk driver.

In addition to its competitive rates, Progressive also offers a range of optional coverage types and has a low level of complaints, indicating good customer service. Progressive also offers accident forgiveness and a vanishing deductible, which can help reduce the financial impact of a speeding ticket on a driver's insurance rates.

Overall, Progressive Insurance is a good choice for drivers with a speeding ticket, offering decent rates and a variety of coverage options to meet their specific needs.

Frequently asked questions