Progressive Auto Insurance: Loyalty Status Benefits Explained

Progressive Auto Insurance has a loyalty system that rewards customers for their continued business. The system consists of several tiers, including Silver, Gold, Platinum, Diamond, Emerald, and Lifetime Crown, each offering increasing benefits and discounts. The longer a customer remains with Progressive, the higher their loyalty tier and the more benefits they can access. These benefits include small and large accident forgiveness, teen driver discounts, multi-policy discounts, priority call routing, and continuous insurance discounts. Additionally, Progressive counts the time customers were insured with prior companies towards their loyalty level, and customers are automatically enrolled and instantly rewarded.

Silver status

Progressive Auto Insurance has a loyalty system that rewards policyholders for remaining with the company. The loyalty program is not available in Hawaii, Alaska, North Carolina, or California. The Silver status is the basic level of Progressive's insurance loyalty system. You are eligible for this status if you have been insured with Progressive or any other insurer for six months. If you are new to insurance, you will likely qualify for the Silver tier.

The Silver tier comes with the following benefits:

• Continuous Insurance Discounts: The longer you maintain continuous insurance coverage, the more you save with Progressive. This shows that you are a competent and low-risk driver who has stayed protected on the road at all times.
• Small Accident Forgiveness: Progressive defines a small accident as one with damages totalling less than $500 (although this amount may vary depending on the state). Their forgiveness policy prevents your rates from increasing after you make a claim for an amount less than $500. For example, if you scratch the side of your car and make a claim, your rates will not increase.

Gold status

Progressive Auto Insurance has a loyalty program with multiple membership levels that offer different discounts and rewards. The Gold status is the second tier in the loyalty program and is for members who have been insured with Progressive or another insurer for one year.

The Gold status reflects a commitment to maintaining uninterrupted insurance coverage, and Progressive rewards this loyalty by offering a broader range of benefits compared to the previous tier. The addition of teen driver discounts at this stage also acknowledges the evolving needs of families, providing added value as household needs grow and change.

Platinum status

Progressive Auto Insurance has a loyalty system that rewards policyholders for their continued custom. The longer you stay with Progressive, the higher your loyalty tier and the more benefits you can enjoy. Progressive's Platinum membership tier is available to individuals who have been insured by Progressive or any other insurer for three years.

The benefits of Platinum status are identical to the benefits of Gold status, although you receive a larger continuous insurance discount at this level. These benefits include:

• Continuous insurance discounts
• Small accident forgiveness
• Teen driver discounts

Small accident forgiveness means that Progressive will not raise your rate for your first claim for an amount less than $500. Teen driver discounts can help save hundreds per year on teenage driver insurance, which is typically very expensive.

Diamond status

Progressive Auto Insurance has a loyalty system that rewards policyholders for their continued custom. The longer you stay with Progressive, the higher your loyalty tier and the more benefits you will be able to access.

The Diamond tier, also known as the Platinum II tier, is for drivers who have been insured by Progressive or any other insurer for 5 years. At this level, you will receive steeper insurance discounts from Progressive. You will also get the benefit of large accident forgiveness, meaning that Progressive will forgive a larger accident on your record, and you won't pay higher rates after a single bad accident.

The Diamond tier also comes with continuous insurance discounts, small accident forgiveness, and teen driver discounts. The continuous insurance discount increases with each loyalty level until you reach Diamond status. The small accident forgiveness means that your rate won't increase if you need to report a small claim, generally anything under $500, although this amount varies by state. The teen driver discount is a welcome addition for those with teenage drivers on their policy, as insurance for this age group is notoriously expensive.

In addition, Progressive counts the time you were insured with a prior company towards your loyalty level. So, if you have been insured for a long time but are new to Progressive, you may still qualify for the Diamond tier and its associated benefits.

Emerald status

Progressive Auto Insurance has a loyalty system that rewards policyholders for their continued custom. The Emerald status is the second-highest tier in the Progressive loyalty program and is for drivers who have been insured by Progressive for 10 years.

At the Emerald tier, customers get access to the following benefits:

• Continuous insurance discounts: The longer you maintain continuous insurance coverage, the more you save with Progressive. This discount grows over time, rewarding members for their continued commitment to Progressive.
• Small accident forgiveness: Progressive defines a small accident as one with damages totalling less than $500 (although this amount varies from state to state). Progressive's forgiveness policy prevents your rates from rising after you make a claim for an amount less than $500.
• Teen driver discounts: If you have a teenage driver on your policy, they qualify for additional discounts. Teen driver insurance is typically expensive, so these discounts can help save hundreds of dollars per year.
• Large accident forgiveness: Even if you're at fault, you won't pay higher insurance premiums for claims exceeding $500. In other words, you can make a single large claim without paying higher rates.
• VIP customer service access: With this perk, you get VIP priority any time you call Progressive, bumping you to the front of the line and avoiding excessive wait times.

The Emerald tier is a prestigious level that demonstrates a strong relationship between the customer and Progressive, with benefits that provide substantial value and peace of mind.

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