How Progressive Auto Insurance Renewal Works

Progressive will automatically renew auto insurance policies for customers who have automatic monthly payments set up. In this case, Progressive sends a notice 28 days before the renewal date, listing the policy details, and it is up to the customer to cancel the renewal to stop the payments. Progressive does not automatically renew auto insurance policies that are paid in full upfront. The average car insurance policy lasts six or 12 months, and it is important to renew before the existing policy expires to avoid a lapse in insurance coverage.

Progressive's auto insurance renewal process

Renewal Notifications:

You will receive a notification from Progressive a few weeks before your renewal date. This notification will outline any changes to your policy or premium. The average car insurance policy lasts for six or twelve months, so you can expect a renewal notice accordingly. It is important to keep an eye out for this notification to be aware of any adjustments to your policy.

Automatic Renewal:

If you have automatic monthly payments set up with Progressive, your policy will be automatically renewed. 28 days before the renewal date, Progressive will send you a notice detailing the policy. If you wish to cancel the renewal, you must take action to stop the payments. However, if you have paid your policy in full upfront, Progressive will not automatically renew it.

Payment Options:

Progressive offers various payment options for your convenience. You can pay using a credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. Additionally, Progressive provides the option to set up automatic payments or pay monthly or in full, whichever suits your budget. Remember that paying your six-month policy upfront may earn you a discount.

Policy Changes:

It's easy to make changes to your Progressive policy before the renewal date. You can log in to your policy at any time to add or remove vehicles or drivers, change addresses, pay bills, and more. Certain changes, such as adding or removing drivers or vehicles, may affect your insurance rate, so be sure to review your policy details.

Grace Periods:

If you miss a payment, Progressive offers a grace period to avoid a lapse in coverage. Your policy won't be cancelled immediately, and you'll typically have between 10 and 20 days to make the payment. During this time, your insurance coverage remains active, ensuring you're not left unprotected.

Non-Renewal:

If you decide not to renew your Progressive policy, be sure to inform them before the renewal date. If you have set up automatic payments, remember to cancel them before the first payment of the new term. Even if you decide not to renew, you can still purchase a new Progressive policy without delay.

Payment methods for renewal

Progressive will contact you via mail or email with your updated rate before your auto insurance renewal date. If you accept the updated rate, you can make an initial payment or pay your renewal quote in full. You can pay your renewal premium online by logging into your policy or by downloading the Progressive app to your smartphone. You can also pay by mail, sending a check, or by automatic payment. Progressive accepts credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.

Progressive gives you the option of paying monthly or in full, whichever fits your budget best. However, you'll get a discount if you pay for your six-month policy upfront. You can also set up automatic payments. If you mail your payment, Progressive will consider the postmark date on the envelope as your payment date, so as long as your payment is postmarked by the due date, it's considered to be on time.

Policy changes before renewal

Progressive will automatically renew your car insurance policy if you're enrolled in autopay. You will receive a notice a few weeks before your renewal date. If you don't have automatic payments set up, you can renew your policy by sending in the first payment on the new policy.

If you have paperless documents turned on, you should receive an email with your renewal details. If not, you will receive your renewal details in the mail. The details will list any changes to your payments and how long your term is, as well as any changes to your insurance coverage.

You can make changes to your car insurance coverage before the renewal date. You can log in to your policy at any time to add or remove vehicles or drivers, change addresses, pay bills, and more. Alternatively, you can call Progressive at any time on 1-800-776-4737 and an insurance representative will assist you. Keep in mind that some changes will affect the price you pay for insurance, so your premium may change.

If you make an adjustment to your policy, the change may be effective immediately. In specific situations, you can choose the effective date. Certain restrictions may apply to some changes, so call Progressive at 1-800-776-4737 for further assistance or with questions.

Cancelling a policy before renewal

Progressive's auto insurance policies typically last for six or 12 months. If you decide not to renew your policy at the end of its term, you must inform your insurer before the renewal date. If you've set up an automatic payment plan, be sure to contact your insurer and cancel before the first payment of the renewal term is automatically paid. If you don't, you can still cancel your renewal policy at any time, but depending on your state or insurance company, you may be charged a cancellation fee or additional costs if you cancel your policy mid-term.

To cancel your Progressive auto insurance policy, you cannot do so online. You may, however, cancel your policy over the phone, by mail, or via email. Depending on your insurance company, you may be able to cancel by calling your insurer or agent. Some insurers may require you to sign a cancellation form or submit a written letter of cancellation.

Since nearly all states require drivers to have liability coverage, you must have an auto policy in effect with another insurer when cancelling your existing policy. Additionally, if you finance or lease your vehicle, your lender or lease company will typically require comprehensive coverage and collision coverage. Make sure your new policy covers your vehicle for physical damage. You can avoid a lapse in coverage by ensuring that your cancellation date aligns with the start date for your new policy.

• You're switching insurance companies
• You're covered under someone else's policy
• You're moving out of the country

Grace periods for late payments

Progressive, like other auto insurance companies, offers a grace period for late payments. This means that if you miss your payment due date, you will have a few days to make the payment before your coverage is affected. The grace period offered by Progressive is typically between 5 to 20 days, depending on your state and insurer. For example, one customer reported being informed by Progressive that they had a 5-day grace period.

It is important to note that Progressive does not immediately cancel your car insurance policy if you miss a payment. State law requires insurance companies to provide notice before cancelling your policy. This is good news if you find yourself in a situation where you are unable to make a payment on time. However, it is always best to try to make your payment before the due date to avoid any potential issues with your insurance coverage.

If you know you will be unable to make a payment on time, you can contact Progressive to discuss your options. They may be able to work with you to find a solution, such as setting up a payment plan or changing your due date. Progressive also offers an automatic payment option, which can help you avoid missing payments in the future and may even earn you a discount on your auto insurance.

In addition to grace periods for late payments, Progressive also offers a grace period for purchasing a new vehicle. When you buy a new car, your existing Progressive insurance policy will cover your new car for around 7 to 30 days, after which you will need to officially add the car to your policy. This gives you some time to shop around for insurance and ensure you are getting the best rate.

Frequently asked questions