Get Full Auto Insurance Coverage With Progressive: Here's How

Progressive offers a range of auto insurance coverages, allowing customers to customize their policies to fit their needs. While there is no consensus on what full coverage means, it typically includes liability and physical damage coverages (comprehensive and collision). Progressive's comprehensive coverage offers several advantages, such as the Deductible Savings Bank, which reduces deductibles for every claim-free period. Collision coverage, on the other hand, is optional but offers additional protection for your vehicle. Progressive also provides specialized coverage options like roadside assistance, rental car reimbursement, and more. The cost of your policy will depend on factors such as your location, driving record, vehicle type, and more.

Comprehensive coverage

When adding comprehensive coverage to your Progressive auto policy, you'll choose a deductible amount, which is the portion you'll pay out of pocket before Progressive covers the rest, up to your vehicle's actual cash value. You can adjust your deductible amount at any time by contacting Progressive. Additionally, Progressive offers the Deductible Savings Bank, which reduces your comprehensive deductible for every claim-free and violation-free policy period.

To determine if you need comprehensive coverage, consider the value of your vehicle and your financial situation. If your vehicle is leased or financed, comprehensive coverage is usually necessary. Even if it's not required, comprehensive coverage can help you avoid the potentially high costs of repairing or replacing your vehicle due to events beyond your control. Remember, each state has different insurance requirements, so be sure to review the regulations in your area.

Collision coverage

When you add collision coverage to your auto policy, you will choose a deductible amount, which is the amount you will pay out of pocket to repair or replace your car when you file a collision claim. For example, if you choose a deductible of $500 and the damage to your vehicle is $5,000, Progressive can pay up to $4,500 to repair your car. Deductible amounts can range from $100 to $2,000, depending on the insurer.

When deciding whether to add collision coverage to your auto insurance policy, consider the following factors:

• The value of your vehicle: If your vehicle is brand new or still worth a considerable amount, collision coverage may be worth it as it can help pay for expensive repairs or a replacement if your vehicle is damaged.
• Your ability to pay out of pocket: If you cannot afford to pay for repairs or a replacement vehicle out of pocket, collision coverage is worth considering for peace of mind.
• Whether your vehicle is in storage: If your vehicle is in long-term storage and unlikely to be driven, collision coverage may not be necessary.

Progressive offers collision coverage for an average of $32 per month, which can provide you with enhanced protection and greater flexibility.

Liability coverage

For example, if you cause an accident with another car, and the other driver's knee is hurt and their car is damaged, your liability coverage can pay for their related medical care and car repairs up to your policy's liability limits.

At Progressive, liability coverage is included in nearly every car insurance policy and can be customized to your needs. You can adjust your liability limits at any time by logging in to your policy or calling Progressive. Every state sets its own minimum limit requirements for BI and PD, and Progressive auto policies will always meet these minimum coverage requirements. You can also choose to increase your liability coverage limits.

Uninsured/underinsured motorist coverage

Uninsured motorist coverage comes into effect when you are hit by a driver with no auto insurance. Underinsured motorist coverage, which often accompanies uninsured motorist coverage, applies when the other driver doesn't have enough coverage to pay for the damages or injuries they caused. If you are the victim of a hit-and-run accident, you can also file a claim with your uninsured motorist coverage, although some states may require collision coverage for this scenario.

• Uninsured motorist bodily injury (UMBI): This covers medical bills for you and your passengers if you are hit by an uninsured driver.
• Uninsured motorist property damage (UMPD): This covers damage to your vehicle caused by an uninsured driver.
• Underinsured motorist bodily injury (UIMBI): This covers medical bills for you and your passengers if you are hit by a driver with insufficient insurance.
• Underinsured motorist property damage (UIMPD): This covers damage to your vehicle caused by a driver with insufficient insurance.

It's important to note that while UMBI and UIMBI generally don't include a deductible, some states may require a deductible for UMPD/UIMPD. Additionally, even if your state doesn't mandate uninsured/underinsured motorist coverage, it's a significant risk to drive without it. In the event of an accident with an uninsured or underinsured driver, you could be responsible for covering medical bills and vehicle repairs out of pocket.

When determining how much uninsured/underinsured motorist coverage you need, consider matching the amount of your liability coverage. In some states, you may be required to choose identical limits. For example, if your liability coverage limits are $50,000 per person and $100,000 per accident, selecting the same limits for UMBI and UIMBI ensures comprehensive protection.

To get UM/UIM coverage with Progressive, you can either call or go online to ensure you have the necessary protection against uninsured or underinsured drivers.

Medical payments coverage

MedPay covers medical expenses for you and your passengers injured during an accident or auto-related incident, regardless of who is at fault. This includes:

• Hospital visits or stays
• Nursing services and care
• Ambulance and EMT fees
• Health insurance deductibles and co-pays
• Surgery, X-rays, and dental procedures

MedPay limits typically range from $1,000 to $10,000, depending on the state and insurer. It's a good idea to carry coverage equal to your health insurance deductible so that you can use MedPay to cover your out-of-pocket medical expenses. If you don't have health insurance, consider carrying a higher MedPay limit to help pay your medical bills after an accident.

To purchase MedPay from Progressive, you can go online or call 1-855-347-3749.

Frequently asked questions