Progressive Auto Insurance: What Cover Should I Pick?

Progressive offers a range of auto insurance coverages to meet your specific needs, including customized coverages. From accidents and windshield damage to lawsuits and more, Progressive helps you understand how to customize your coverage when you quote car insurance. You can get an auto insurance quote online and personalize your policy. Progressive has been focused on exceptional customer service and coverage for 85+ years, making it a top-rated insurance company that's trusted by 28+ million drivers.

Liability coverage

Progressive's liability coverage includes bodily injury liability coverage (BI) and property damage liability coverage (PD). BI pays for injuries you cause to others, while PD covers property damage. Each state sets its own minimum limit requirements for BI and PD, and Progressive's auto policies will always meet these requirements. However, you can also choose to increase your liability coverage limits.

For example, if you cause an accident that results in injuries to another driver, your BI coverage will pay for their medical bills up to your policy's limit. Similarly, if you hit someone's car and damage their vehicle, your PD coverage will pay for the repairs up to the specified limit.

When determining how much liability coverage you need, it's important to consider your total assets, including the value of your home, vehicles, savings, and investments. This will help you choose a coverage limit that adequately protects your assets in the event of an accident. It's generally recommended to carry more liability coverage than the state-mandated minimum to avoid being left with a large bill.

In addition to liability coverage, Progressive offers a range of other car insurance coverages, such as comprehensive, collision, and medical payments coverage, to provide you with a comprehensive protection plan.

Comprehensive coverage

When adding comprehensive coverage to your policy, you will choose a deductible amount, which is the amount you'll pay out of pocket while Progressive covers the rest, up to your vehicle's actual cash value. You can lower your deductible over time by adding the Deductible Savings Bank to your policy, which reduces your deductible by $50 for every violation and claim-free six-month policy period.

The average monthly cost of comprehensive coverage with Progressive is $11 for a six-month policy. This price may vary depending on factors such as the age and value of your vehicle, as well as the deductible you choose.

Collision coverage

When deciding whether to add collision coverage to your auto insurance policy, consider the value of your vehicle. If your vehicle is brand new or still worth a significant amount, collision coverage can help with expensive repairs or replacement costs. On the other hand, if your vehicle's value is low and you have a large deductible, collision coverage may not be necessary.

Progressive's collision coverage offers some unique features. It can cover up to $1,000 of your pet's veterinary bills if they are injured in a car accident while riding with you. Additionally, Progressive's Deductible Savings Bank® allows you to reduce your deductible by $50 for every claim-and-violation-free policy period.

Medical payments coverage

Med Pay can be a useful supplement to your health insurance. For example, you may be able to use it to cover your health insurance deductible, reducing your out-of-pocket medical costs. Med Pay can also help cover out-of-pocket costs such as your deductible and co-pays. If you don't have health insurance, Med Pay can give you peace of mind and potentially avoid the financial burden of major medical expenses.

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

If you are involved in an auto accident, medical payments coverage can take care of expenses such as hospital visits, nursing services, ambulance and EMT fees, surgery, X-rays, and dental procedures.

You can file a Med Pay claim by logging into your policy, using the Progressive app, or calling 1-800-776-4737.

Uninsured/underinsured motorist coverage

Uninsured Motorist Bodily Injury (UMBI)

UMBI coverage pays for medical treatment for you and your passengers if you are hit by an uninsured or underinsured driver. It may also cover lost wages, funeral expenses, and other damages not protected under some health insurance plans. UMBI is especially important if you have passengers in your car who don't have their own health insurance or if your health insurance has a high deductible.

Uninsured Motorist Property Damage (UMPD)

UMPD coverage pays for damage to your vehicle and other property if you are hit by an uninsured or underinsured driver. It is important to note that UMPD may not cover hit-and-run incidents in some states, so you may need collision coverage to protect yourself in those cases.

State Requirements for UM/UIM Coverage

While some states require UM/UIM coverage, others only mandate specific parts such as UMBI or UMPD. Progressive's car insurance policies will automatically include the minimum required coverage for your state. If your state doesn't require UM/UIM coverage, you can still add it to your policy in most states to protect yourself and your passengers from uninsured or underinsured drivers.

Choosing Your UM/UIM Coverage Limits

You usually have the option to choose the insurance limits of your coverage. For UMBI, consider matching the amount of your liability coverage. For UMPD, you can select a limit that closely mirrors the value of your vehicle, especially if you don't carry collision coverage.

Frequently asked questions