Get Progressive Insurance Auto Deals: Tips And Tricks

Progressive Insurance offers a range of options to help you get cheap auto insurance. You can compare rates from different companies and use the Name Your Price Tool to find a policy that fits your budget. Progressive also offers various discounts, such as loyalty-based and driver-based discounts, as well as discounts for how you quote or buy. Additionally, you can save by bundling your auto insurance with other types of insurance, such as home, renters, or condo insurance. Safe driving can also help lower your insurance rate, as can driving a safe car and paying attention to your location.

Compare rates with Progressive's rate comparison tool

Progressive's rate comparison tool, AutoQuote Explorer®, helps you compare your car insurance quote with other companies' rates. Here's how it works:

Step 1: Get a Quote from Progressive

First, get a quote from Progressive that includes all the coverages you want. Make sure to list everyone who regularly drives your vehicle. To get a quote, you'll need your vehicle's make, model, and year, as well as your driving history. You'll also need to know your vehicle identification number (VIN), ticket history, and accident history.

Step 2: Compare Rates from Other Companies

After getting your quote from Progressive, look for the "compare rates" button. Progressive will first show you their direct rate, and then you can compare rates from other companies. This allows you to see how your Progressive quote stacks up against the competition.

Step 3: Save on Your Car Insurance

Once you've compared rates, you can make a more informed decision about which insurance company to choose. Remember, the best auto insurance rate doesn't necessarily guarantee the best coverage. Be sure to compare coverages, limits, and deductibles across companies to ensure you're getting the protection you need at a price that fits your budget.

By using Progressive's rate comparison tool, you can easily find affordable car insurance that meets your needs without compromising on quality.

Use the Name Your Price® Tool

Progressive's Name Your Price® Tool is a quick and convenient way to find cheap auto insurance that covers what you need. Here's how it works:

How to Use the Name Your Price® Tool

• Provide Basic Information: Start by answering some questions about yourself and your vehicle to determine your lowest and highest possible rates.
• Name Your Price: Tell Progressive how much you want to pay for your auto insurance policy.
• Explore Coverage Options: Progressive will then show you a range of coverage options that fit within your desired price range. You can adjust your coverages to meet your specific needs while staying within your budget.

The Name Your Price® Tool simplifies the process of getting affordable car insurance. Instead of hunting for discounts, calculating rates, or tinkering with coverages, you can jump straight to the rate you want. This tool is especially useful if you have a specific budget in mind and want to see what options are available to meet your needs.

Adjusting Your Coverages

While Progressive's lowest price may not include all the protection you want, you have the flexibility to adjust your coverages. You can customize your policy to find a balance between costs and coverages. For example, you can add optional coverages like comprehensive and collision, which protect your vehicle from unexpected events like accidents, theft, or natural disasters. You can also increase your liability limits if you have a large number of assets to protect.

Combining With Other Discounts

In addition to using the Name Your Price® Tool, you can explore other discounts offered by Progressive to further lower your auto insurance costs. Progressive offers a variety of discounts, including loyalty-based, driver-based, and quoting or buying incentives. By combining these discounts with the Name Your Price® Tool, you can maximize your savings while still getting the coverage you need.

Try Snapshot®

Progressive's Snapshot program personalizes your car insurance rate based on your actual driving. It's technically called usage-based insurance. That means you pay based on how and how much you drive instead of just traditional factors.

When you sign up for Snapshot, you can choose between using the plug-in device or the mobile app. Both options work similarly and give you a discount for good driving. The mobile app is a good fit if all drivers on the policy have an Android or iPhone smartphone. The plug-in device works similarly to the mobile app, and you still get details on your driving progress.

Snapshot analyzes your driving habits to produce your driving reports. It also uses the data to resolve auto claims, as well as for underwriting assessments and development and research purposes. Among the driving characteristics that Snapshot monitors are:

• Braking and accelerating: Snapshot looks for easy acceleration without jackrabbit starts and smooth braking. Avoid slamming on your brakes unless necessary to avoid an accident.
• Time of day: Avoid driving late at night, particularly between midnight and 4 a.m. On weekends, those hours are considered to be some of the most dangerous times to drive, according to the National Safety Council. If you must regularly drive during these hours, Snapshot may not be a good fit for you.
• Mileage: Snapshot rewards those who are relatively low-mileage drivers or who frequently carpool, because being on the road less often means a lower likelihood of accidents.
• Using your mobile phone: If you are using the mobile app, Snapshot can determine when you have been texting or making phone calls. Avoid these activities to remain safe and help increase your discount. Note that Snapshot only considers phone use in some states.
• Speeding: Driving above the posted speed limit will be noted by Snapshot. Specifically, the app uses GPS to monitor your speed.

Progressive policyholders who sign up for Snapshot may be able to maximize their savings by practicing the following driving habits:

• Limit hard brakes and accelerations: By avoiding stepping on the gas and slamming on the brakes, you may boost your Snapshot discount.
• Avoid late-night driving: Driving during less risky times of the day can generate more savings.
• Drive less: By driving lower miles or carpooling you can save more.
• Stay off your mobile phone: By avoiding phone calls and texting behind the wheel, you can qualify for additional savings.

Snapshot is free for Progressive policyholders, and you could earn an average savings of $94 just for signing up (unless you live in New York or Hawaii). The program is available countrywide, except for in California. If your safe driving earns you a Snapshot discount, you’ll see it on your next renewal after signing up for the program. The average Snapshot discount is $231, according to Progressive, but beware — on average, 2 out of 10 drivers experience an increase in premium due to driving habits that are considered risky.

Bundle your insurance policies

Bundling insurance policies is a great way to save money on your insurance costs. Progressive offers a multi-policy discount for customers who bundle two or more policies. You can bundle home and auto insurance, or combine other policies such as home and motorcycle, auto and boat, or home and RV.

For example, 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 customers save an average of 7% when they bundle home and auto insurance, with savings applied to their auto policy.

In addition to the financial benefits, having multiple policies under one roof makes it more convenient to manage your insurance. You only need to make payments to a single company, and it's easier to keep track of payments and ask questions about your premium. You can also update or make changes to your insurance policies more easily.

Progressive offers a range of insurance options to meet your needs, including auto, home, renters, motorcycle, boat, and RV insurance. You can get a bundled quote from Progressive easily, even from your phone. So, if you're looking to save money and streamline your insurance management, bundling your policies with Progressive is a great option.

Qualify for loyalty-based and driver-based discounts

Progressive offers loyalty-based discounts to customers who have been with the company for a long time. The longer you stay with Progressive, the more benefits you will enjoy. Progressive has a loyalty system with several tiers, including Silver, Gold, Platinum, Diamond, Emerald, and Lifetime Crown. Each tier comes with its own set of perks and discounts. For example, at the Gold tier, you can access small accident forgiveness and teen driver discounts, while at the Diamond tier, you get steeper insurance discounts and large accident forgiveness.

In addition to the loyalty-based discounts, Progressive also offers driver-based discounts. These include:

• Snapshot: Safe Driver Discount – This program personalizes your rate based on your actual driving. The safer you drive, the more you can save. The average savings for this discount are $231.
• Good Student Discount – Progressive offers a discount for full-time students under the age of 23 who maintain a B average or better. The average discount is 10%.
• Distant Student Discount – If you are a full-time student aged 22 or younger and attend a school that is 100 miles or more from your home, you will receive a discount as long as you don't have a car at school.
• Teen Driver Discount – If you are 18 years old or younger, you qualify for this discount.

By taking advantage of these loyalty-based and driver-based discounts, you can save a significant amount on your Progressive auto insurance policy.

Frequently asked questions