Progressive Auto Insurance: Good Or Bad?

Progressive Insurance is a good choice for drivers with poor credit or a DUI on their record. The company offers a wide range of discounts and has the sixth-lowest average rates out of the companies analysed. However, it is not the best option for teen drivers, as its rates are the third-highest for this demographic. Progressive's customer service and claims handling have also been criticised, with the company ranking last in these categories.

Progressive's rates for drivers with a DUI

Progressive is a good option for drivers with a DUI violation. While a DUI will cause your insurance rate to go up, Progressive only raises rates by a countrywide average of about 13% after one DUI, compared to the national average of 70%. Progressive also offers SR-22 filings and non-owner insurance, which drivers with a DUI may need. Progressive's rates for drivers with a DUI are 31% cheaper than the national average. Progressive is also one of the few companies that insure drivers with a DUI violation.

Progressive has a low level of auto insurance complaints, with its car insurance complaint levels being below the industry standard for the last three years. This suggests good customer service. Progressive also has an A+ (Superior) financial strength rating from AM Best, indicating that it is dependable enough to pay out on future claims.

However, Progressive's usage-based insurance program, Snapshot, may raise your rates if your driving score is poor. Progressive also ranked last in the most likely to be renewed subcategory in a U.S. News survey.

Progressive's Snapshot usage-based insurance program

Progressive's Snapshot program is a usage-based insurance rating program that allows customers to save money based on their actual driving habits. The program personalizes your car insurance rate based on how and how much you drive, rather than just traditional factors.

The Snapshot program is available as a mobile app or a plug-in device. It collects data on your driving behaviour, including vehicle speed, location, time information, phone usage, trip duration, trip regularity, and rates of acceleration and braking. This data is then used to calculate a driver score, which determines your insurance rate.

By enrolling in the Snapshot program, you can get an automatic discount on your insurance premium. Progressive claims that drivers who save with Snapshot save an average of $231 per year. However, it is important to note that your rate may increase with high-risk driving behaviours.

To participate in the Snapshot program, you must download the mobile app or plug-in device, complete the registration process, and keep the app enabled while driving. The app will provide regular updates on your progress and driving behaviour.

It is worth noting that Progressive has received mixed reviews for its insurance services. While some customers praise the company for its great prices and good service, others have expressed concerns about its customer service and claims handling. Progressive is ranked #9 for Best Car Insurance Companies and #6 for Cheapest Car Insurance Companies by U.S. News.

Progressive's customer service and claims handling

Progressive's customer service has received mixed reviews. On the one hand, some customers have praised the company's agents for being easy to work with and having their best interests at heart. Others have commended the company for its great service, reliability, and easy sign-up process. However, Progressive's customer service has also been criticized for its lack of transparency and responsiveness. Some customers have also expressed concerns about unexpected rate increases and difficulties with the claims process.

In terms of claims handling, Progressive ranked 10th in a survey conducted by US News. While 34% of respondents were completely satisfied with how easy it was to file a claim, 39% were completely satisfied with the status updates on their claims, and 43% were completely satisfied with how their claims were resolved. Progressive's claims process has also been rated a C by auto repair experts for its collision claim process.

Overall, Progressive's customer service and claims handling have received mixed feedback, with some customers expressing satisfaction while others have encountered challenges and frustrations.

Progressive's insurance for senior drivers

Progressive Insurance is a good option for senior drivers. Progressive is rated No. 6 in the best car insurance companies for seniors, with its rates for female and male senior drivers being lower than the national averages. Progressive's rates for senior drivers are roughly $300 less per year than the national average.

According to Progressive's data, car insurance for seniors typically only starts increasing at age 75. Middle-aged drivers in their 50s and 60s may pay less for insurance than at any other time in their lives. Progressive offers many discounts to help lower car insurance rates.

Progressive has built its business around understanding its customers' needs and what's important for them to protect. It offers a wide range of insurance products to meet specific needs, including customized coverages. It provides day-or-night customer support and superior claims services.

Progressive is the #1 combined personal and commercial auto insurance company. It has over 27 million customers who trust Progressive for their auto insurance.

Progressive's insurance for teen drivers

Progressive Insurance is a good option for teen drivers as it offers various discounts and incentives.

Firstly, it is important to note that insuring a teen driver can be expensive due to their lack of driving experience and higher likelihood of accidents. Progressive offers a range of discounts to help offset these costs, including:

• A good student discount, where teens with a B average or higher can get around a 10% discount in most states.
• A multi-car discount if your teen has their own vehicle and you insure it with Progressive.
• A teen driver discount if your child is 18 or younger and you have been consistently insured for at least 12 months.
• A snapshot discount, where good driving habits are rewarded.

In addition to these discounts, Progressive also offers lower rates for teens as they get older and gain more driving experience. There is an average drop in rates of 9% when a driver turns 19 and a further 6% drop when they turn 21.

Progressive also allows you to add your teen driver to your existing policy, which is usually a more affordable option than purchasing a separate policy for them. By adding them to your policy, they benefit from the savings and rate you've earned as a longtime driver, and they can be insured to drive all the vehicles listed on the policy.

However, it is worth noting that Progressive's rates for teen drivers are the third-highest compared to other companies. Their sample rates for teen drivers are more than 30% higher than the national average. Therefore, while Progressive offers various benefits and discounts for teen drivers, it may not be the most cost-effective option.

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