Progressive Car Insurance Review

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Table of Contents

progressive auto insurance reviewInitially, Progressive focused on not-so-gentle drivers, but now motorists with a clean record can also benefit from its competitive rates. Low prices are one of the things that made Progressive so popular among Americans that the company even encourages you to compare its rates with other insurance providers right on its website with a price comparison tool.

You will find the company provides standard car coverage options other insurers offer (like liability, personal injury protection, medical payments, etc.) and perks (like accident forgiveness, deductible reduction, etc.) when Progressive covers you. Of course, Progressive offers other insurance products like home, life, and renters through third party companies.   

Standing among the top five most popular auto insurance companies in the United States is Progressive Car Insurance. The company holds over 4% of the auto insurance market share in the U.S. Founded in Mayfield Village, Ohio, in 1937, Progressive has been in the insurance business for more than 80 years. You might be thinking that because the company is quite old, it might be somewhat laidback in terms of technology. Not so with Progressive – tech-savvy individuals will find the company rather appealing.

Basic Coverage

Progressive offers the basic auto insurance options you are accustomed to. These include: 

  • Liability: Foots the bills for you and other motorists when you cause an accident.
  • Collision: Repairs your car when you cause an accident.
  • Comprehensive: Covers any other damage done to your car other than a collision – like theft or fire.
  • Personal Injury Protection: Foots any medical bills and other related expenses due to a covered loss.
  • Medical Payment: Covers yours and your passengers’ healthcare costs after an accident.
  • Uninsured/Underinsured motorist: Covers you in a loss caused by an uninsured or underinsured driver.

Extras

Progressive car insurance comes with quite a number of add-ons you can attach to your policy with them. These extras include: 

  • Roadside Assistance: Pays for all costs related to any roadside assistance your car receives when it breaks down mid-travel.
  • Rental Car Reimbursement: Pays for your rental car bills while your covered vehicle is undergoing repairs from a loss.
  • Custom parts and equipment replacement: Repairs or replaces any damaged custom car equipment like T.V.s, stereos, etc.
  • Loan-Lease Payoff: Pays for the difference in your car’s value at the time of the loss and what you owe on the vehicle.
  • Pet Injury Coverage: Foots the vet bills if your pet is injured in a loss. This extra already comes with your collision coverage, so it’s free.
  • Rideshare Coverage: Protects you while driving for ridesharing companies when your ridesharing app is on.
  • Deductible Savings: Reduces your deductibles by $50 every six months that you are claim-free.
  • Small accident forgiveness: Protects from rate increase after the initial accident if the first claim is less than $500.
  • Large accident forgiveness: Protects from rate increase in a loss if you’ve been accident-free for three years and are covered by Progressive for a minimum of five years.

How to Get a Quote

Click on the “Auto” icon on the home page, and you’ll be taken to a page where you’ll enter your ZIP code.

Progressive car insurance- How to get a quote 1

Click “Get a quote” after typing in your ZIP code. Afterward, enter your personal details on the next page and click on “Okay, start my quote”.  

Progressive car insurance- How to get a quote 2

Next, tell Progressive about the vehicle(s) you want to insure – fill in all necessary details and click “Continue”. Afterward, you will enter more information regarding yourself, including your driving history, employment status, etc. 

Progressive car insurance- How to get a quote 3

You can choose to add another driver if you’re not going to be the only one driving the car(s) you want to insure. Next, you’ll provide information concerning your insurance history – click “continue” after filling in the details. Your quote will be displayed afterward, and you can click on “Finish & Buy” if you’re satisfied with the price.

Progressive car insurance- How to get a quote 4

You can also choose from three packages called Basic, Choice, and Recommended. Progressive also allows you to put in the price you want to pay if you’re not satisfied with the quote.  

How to File a Claim

To file a claim, visit the homepage of Progressive and click on “claims”.

Progressive car insurance- How to file a claim 1

Afterward, you’ll be taken to where you’ll log in to your policy or call the claims phone at 1-800-776-4737.

Progressive car insurance- How to file a claim 2

Either way, you get connected to a claims representative from Progressive. You’ll then submit a few basic info requested by the expert. In most situations, an estimator will be assigned to evaluate the cost of the repairs needed to get your car back in shape.

Then the rep will ask you to choose between receiving payment and getting your vehicle fixed. The ball is in your court at this point. If you decide to get paid, the company will send you payment for the estimated cost of repairs. If you choose to get it repaired, the company fixes your car.  

Pros

Cons

Every insurance lender has its own pros and cons  – here are the things you should know about Progressive:

Pet injury protection

Progressive pays for any vet costs required to treat your pet if you’re involved in an accident. The great part is that you don’t have to pay for it as it comes included in your collision coverage.

Rideshare protection

Once your ridesharing app is on, Progressive covers you when you use your car for ridesharing companies like Uber and Lyft.

Leading car insurance company

Progressive stands among the top five auto insurers in the United States.

Encourages safe driving

There are perks and deductible savings for motorists who drive safely.

Accident forgiveness

Progressive won’t increase your rates after your first small accident that costs less than $500. You will also get forgiven if you have been claim-free for three years and a customer of Progressive for five years.

Competitive rates and discounts

The company offers some of the cheapest insurance savings out there. It even offers a convenient price comparison tool to compare rates on its website. You’ll enjoy one of the broadest discount coverages with Progressive.

Name your Price

Progressive allows you to pay for insurance based on what you can afford with the Name Your Price tool.

No safety equipment discount

Progressive doesn’t offer discounts for installing safety equipment in your car like an alarm or other anti-theft device.

Below average customer service score

You might not be treated to the best customer care service when you’re covered with Progressive.

Relatively high online customer complaints

You will find a high number of customer complaints on many online forums. In fact, on BBB, you’ll find over 2600 complaints in the past three years.

Customer Satisfaction Ratings, Financial strength

Despite being a famous insurance company, Progressive has relatively many customer complaints. Customer service is not so helpful, according to some online customer reviews. However, the company has a strong financial rating, so you need not worry about its ability to meet claims. Here are Progressive’s ratings, according to Better Business Bureau, J.D. Power, AM Best, Standard & Poor’s, and NAIC.
Type Company Rate
Customer satisfaction Better Business Bureau Consumer complaint rating A+
Customer satisfaction J.D. Power customer satisfaction score 3/5
Financial strength A.M. Best financial strength rating A+ (Superior)
Financial strength Standard & Poor’s (S&P) A
Customer satisfaction NAIC complaint index 1.66

Auto Insurance Discounts

Progressive offers a wide range of discounts that you can enjoy. You usually won’t find such discount coverage with many insurers. The exciting part is there’s no limit on these money savers. Take a look at the Progressive discounts below:
Discount How do you receive it?
Multi-Policy   Bundle two or more policies with Progressive
Multi-Car Cover more than one car in your policy
Sign online Electronically sign your documents
Online Quote Start a quote and complete your purchase online
Continuous Insurance Continuously maintain a car insurance coverage. It starts counting even from your previous insurer.
Pay in Full Pay for your six-month insurance at once.
Good grades   Have a student on your policy maintaining at least a “B”
Away at college Have a college student on your policy who is not more than 22 years old and lives more than 100 miles away.
Snapshot Program Download the Snapshot tracker online through a mobile app or install the tracking device in your vehicle. It tracks safe driving.
Safe driver Maintain an accident-free and traffic violation-free record for three straight years.
Homeowner Own a home (and it doesn’t even have to be covered by Progressive)
Go paperless Choose to receive your documents electronically.
Automatic payment Set up automatic payments for your premium from your checking account
Teen driver Add a teen driver to your policy. Must be 18 years or younger.
 

Car Insurance Alternatives

Here are our 2 choices of car insurance companies which can use as a great alternative to Progressive:  

GEICO provides lots of car insurance coverage options and is popular for its great customer service, as well as its great mobile app for customers. GEICO focuses on online sales to customers rather than the use of agents, which has given the company the ability to keep low rates coupled with providing similar products of other big insurers. Due to its pricing and convenience, it is known as the best option for consumers that are cost-conscious.

GEICO may come with some cons such as gap insurance absent, difficult getting a local agent, accident forgiveness not available in all states, and some coverage options missing. Overall, the company boasts to offer some of the best services such as excellent 3rd-party ratings, great mobile app, multiple Policy discounts, and new cars having mechanical breakdown insurance.

Travelers offers the staple insurance products along with some coverage add-ons. While it is true that the rates are quite high when compared to other leading policy providers, the discounts offered by the insurer make the prices competitive. If you are a safe driver, Travelers will prove to be a worthwhile insurance provider – however, if you don’t have a clean motoring record, this company might not be so favorable – it is better you look for coverage elsewhere.