Orlando Harmon
Progressive Insurance is a popular choice for car insurance in the US, offering standard coverage such as liability, collision, and comprehensive, as well as optional add-ons like roadside assistance and accident forgiveness. With competitive rates and a range of discounts, it's particularly attractive to senior drivers and those with poor driving records. However, with more customer complaints than average, is it worth it?
| Characteristics | Values |
|---|---|
| Average cost | Progressive's average rate is lower than the national average. |
| Customer service | Survey feedback was generally positive in the areas of claims and customer service. |
| Customer satisfaction | Progressive scored below average when compared with other insurers surveyed. |
| Discounts | Progressive has more discounts than many competitors. |
| Add-ons | Progressive does not have as many add-on coverages as some other insurers. |
| Unique offerings | Progressive offers rideshare insurance, gap insurance, and custom equipment coverage. |
| Ease of use | Progressive has a mobile app that allows customers to view their insurance ID card, pay their bill, report a claim, send claim photos, and receive roadside assistance. |
| Accident forgiveness | Progressive offers small accident forgiveness automatically and a bigger benefit through its loyalty program. |
| Customer complaints | Progressive gets more customer complaints than average. |
| Digital capabilities | Progressive received the highest satisfaction rating in J.D. Power's digital experience study on service. |
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What You'll Learn
Progressive's insurance benefits for seniors
Progressive offers a range of insurance products that may be of interest to seniors. Here are some of the benefits of Progressive insurance for seniors:
Auto Insurance
Progressive is known for offering competitive rates for senior drivers. According to Progressive's data, car insurance rates for seniors typically start increasing at age 75. However, even with this increase, the average premium for seniors over 75 is still lower than the premiums for middle-aged drivers in their 40s and 50s. Progressive's rates for senior drivers are below the national average, making it a cost-effective option for seniors. The company also offers various discounts, such as mature driver discounts for seniors who complete state-approved driving courses, accident forgiveness programs, and loyalty rewards.
Life Insurance
Progressive offers several life insurance options for seniors, including term, permanent, guaranteed, and simplified issue life insurance. While the number of policy options may decrease for older adults, Progressive provides a range of choices to match individual needs. Burial life insurance, a type of whole life insurance designed to cover funeral expenses, is a low-cost option for seniors concerned with paying for their funeral expenses. Simplified issue life insurance may be suitable for those with health conditions, as it typically only requires a health questionnaire. Guaranteed issue permanent life insurance does not require a health questionnaire or medical exam, making it an option for seniors with health issues.
Home and Renters Insurance
Progressive offers home and renters insurance with various discounts that can make the policies more affordable for seniors. The average annual cost of home insurance from Progressive is $2,648, which is 5% cheaper than the national average. Progressive also provides renters insurance, which covers personal property, loss of use, personal liability, and medical payments for injuries occurring on the insured property. The average annual cost of renters insurance from Progressive is $234, slightly higher than the national average.
Additional Benefits
Progressive's mobile app and website are user-friendly and provide convenient features such as viewing insurance information, paying bills, tracking claims, and requesting roadside assistance. Progressive also offers unique coverage options, such as rideshare insurance, gap insurance, and coverage for veterinary bills if a pet is injured in a crash.
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Progressive's insurance benefits for teens
Progressive Insurance offers several benefits for teens and their parents or guardians. Firstly, it is beneficial for teens to be added to their parent's or guardian's existing Progressive insurance policy, rather than having their own separate policy. This is because separate policies for teens can be expensive due to their lack of driving experience and higher likelihood of accidents. By adding a teen driver to an existing policy, parents or guardians can take advantage of Progressive's Teen Driver Discount, helping to offset the additional cost of insuring a new driver.
Progressive also offers a Good Student Discount for full-time students aged 16-22 who are enrolled in high school, college, or home-schooling and maintain a "B" average or better. This discount can save students at least 5% on their insurance costs. Additionally, Progressive's Snapshot program can help teens and their parents or guardians save on insurance rates by tracking and promoting safe driving habits. The Snapshot device monitors factors such as miles driven, acceleration, braking, time of day, and distracted driving, and rewards safe driving with discounted rates.
Another benefit of Progressive Insurance for teens is the ability to personalize coverage options within an umbrella liability policy. This type of policy protects insured families against property loss and financial loss in the event of an accident. When a teenager causes damage with a vehicle, the parent or guardian is typically held liable, so an umbrella liability policy can provide valuable additional coverage.
Furthermore, Progressive allows its customers to designate a primary vehicle for their teen driver. This means that the teen can be restricted to driving one vehicle, which can help them become familiar with the car's settings and controls, leading to safer driving habits.
Overall, Progressive Insurance offers a range of benefits for teens and their parents or guardians, including discounted rates, safe driving programs, personalized coverage options, and the ability to designate a primary vehicle. These features can help make Progressive a cost-effective and safe choice for teen drivers.
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Progressive's insurance benefits for high-risk drivers
Progressive Insurance is a good choice for high-risk drivers for several reasons. Firstly, Progressive is known for its affordable rates, with its average rate lower than the national average. Progressive also offers customizable plans and numerous discounts, making it a cost-effective option for those who may have limited choices due to their high-risk status.
Progressive stands out as a major insurer that caters to high-risk drivers, especially those with a DUI or DWI on their record. While other insurers may be reluctant to cover such drivers, Progressive offers rates that are lower than the industry average for those with DUI convictions. For example, Progressive's average rate after a DUI is $3,130 a year, compared to $4,128 with Geico.
Progressive also offers an Accident Forgiveness program, which can benefit high-risk drivers. This program ensures that your rate will not increase after your first at-fault accident, which can provide peace of mind and help high-risk drivers manage their insurance costs.
In addition, Progressive offers unique coverage options such as rideshare insurance and gap insurance, which can be particularly useful for high-risk drivers who may have specific insurance needs.
However, it is worth noting that Progressive has received some criticism for its customer service and claims process, with below-average ratings in these areas. Additionally, some have noted that Progressive's rates can increase over time, even without any changes or accidents, so it is important to regularly review your insurance options to ensure you are getting the best rate.
Overall, Progressive Insurance offers benefits that cater to high-risk drivers, including competitive rates, accident forgiveness, and customizable coverage options. However, it is always a good idea to compare quotes from several insurers to ensure you are getting the best deal and the coverage you need.
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Progressive's insurance benefits for good drivers
Progressive Insurance offers a range of benefits for good drivers. Firstly, they provide standard coverage options such as liability (bodily injury and property damage), collision, and comprehensive insurance. Collision coverage pays for repairs or replacements if your car collides with another object, while comprehensive insurance covers non-collision damage like vandalism, theft, and severe weather damage. Progressive also offers MedPay and PIP, which cover medical expenses for you and your passengers, as well as lost wages.
Additionally, Progressive has optional add-ons like roadside assistance, rental car reimbursement, and accident forgiveness. Their unique Snapshot program personalizes your insurance rate based on your driving habits, rewarding safe driving with lower rates. This program has resulted in average savings of $231 for enrolled drivers. Progressive also offers discounts for bundling policies, such as combining auto and home insurance, which can save you up to 7% on your auto policy.
Progressive is known for its competitive rates, especially for senior drivers, and it offers more discounts than many competitors. Their rates are often cheaper than the national average, making them an attractive choice for cost-conscious consumers. Progressive also provides superior claims service, with positive feedback from customers regarding their efficiency and responsiveness.
When it comes to customer satisfaction, Progressive receives mixed reviews. While some customers praise their claims process and customer service, they also receive more complaints than the average insurance company. It's important to note that insurance rates can vary based on individual factors, so it's always a good idea to shop around and compare quotes from multiple providers.
In summary, Progressive Insurance offers a range of benefits for good drivers, including standard and optional coverage options, a usage-based rewards program, competitive rates, and various discounts. However, it's important to consider both the positive and negative feedback from customers when deciding if Progressive is the right choice for your insurance needs.
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Progressive's insurance benefits for bundling home and car policies
Progressive Insurance offers a range of benefits for customers who bundle their home and auto insurance policies. Firstly, bundling can lead to significant cost savings. Progressive offers a multi-policy discount when customers combine their home and auto insurance, which can result in an average savings of 7% on the auto policy. This discount is not limited to just home and auto policies; customers can also bundle other types of insurance, such as motorcycle, boat, RV, and renters insurance, to receive additional discounts.
Another advantage of bundling with Progressive is the convenience of having all policies in one place. This simplifies the management of insurance coverage, as customers can easily adjust their coverage and access all their policy documents from a single platform. Additionally, in the event of a loss caused by a single event that is covered by both home and auto policies, customers are responsible for only one deductible instead of two separate ones.
Progressive also offers loyalty rewards and discounts for long-term customers. After 20 years with the company, customers are eligible for the lifetime renewal guarantee, which ensures policy renewal regardless of changes to their driving record. The Snapshot® program is another feature that personalizes rates based on driving behaviour, rewarding safer drivers with lower rates. Progressive also offers accident forgiveness benefits, where rates are not increased for the first claim below $500, and for customers who have been accident-free for at least five years.
Furthermore, Progressive provides additional discounts for customers who sign documents online, opt for email document delivery, pay their policy in full upfront, or set up automatic payments. There are also discounts for full-time students with good grades and for customers who add a teen driver to their policy after one year. Progressive also honours customers' tenure with previous insurers, offering discounts upon the first policy renewal. Overall, Progressive's bundling benefits provide customers with cost savings, convenience, and peace of mind, making it a worthwhile option for those seeking to streamline their insurance policies.
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Frequently asked questions
Progressive Insurance offers standard coverage such as liability, collision, and comprehensive. It also has optional add-ons like roadside assistance, rental car reimbursement, and accident forgiveness. Progressive also has a usage-based program called Snapshot that can personalize your rate based on your driving habits.
Progressive Insurance has received mixed reviews. While some customers have praised its competitive rates, particularly for senior drivers, and positive feedback in the areas of claims and customer service, others have complained about its claims process, including the processing time and outcome of the claims. Progressive also has more discounts than many competitors, including for teachers and military members. However, its rates tend to be higher for teen drivers.
Progressive Insurance is ranked No. 5 out of 20 in a rating of the best car insurance companies, with a score of 4.4 out of 5.0. It received an overall satisfaction score of 78 out of 100 from its customers, which is slightly below average. Progressive also ranked No. 9 out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study for overall customer satisfaction.
