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UPDATED: Mar 13, 2020
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Progressive car insurance has a reputation as a cutting-edge company. Its slogan, “Now, that’s progressive” suggests a business that’s always pushing the envelope, and it’s often the forerunner of experimental features. For example, Progressive was the first insurance company to offer injury coverage for pets; it also helped pioneer the now-popular usage-based car insurance.
One thing that made Progressive stand out from the beginning was the way it delivers quotes. The Progressive website allows customers to view competitor quotes in addition to the Progressive quote. This allows customers to get a better indication of how their premiums compare to other providers and it suggests strong confidence from Progressive as a company that their product is worth buying.
How much does Progressive car insurance cost?
No two car insurance premiums will be exactly identical. Insurance rates are based on a wide number of factors from a driver’s age and geographic location to the type of car they drive and whether they’ve been in any accidents. Because premiums vary so much, it’s hard to know in advance what any individual driver’s premiums will cost.
Additionally, insurance companies rank different criteria differently, so one driver might save money by switching to a new company while another will pay more with another insurer. While Progressive’s ability to show customers competitor quotes is helpful, it still pays to shop around and get a wide variety of quotes from different insurers.
On average, Progressive policies tend to be slightly pricier than other insurers. Of course, these rates vary from one state to the next, but companies like Allstate and State Farm often have lower base quotes for coverage. On the other hand, Progressive does have multiple discount programs that can reduce this base rate tremendously for qualifying insureds.
What car insurance discounts does Progressive offer?
While the base rate of a Progressive policy may not be the lowest available, the cost of insurance may go down once the insured factors in the effects of discounts:
— E-Sign discount of $50 immediately after a customer signs up for a policy online
— Discounts for multiple policies and multiple cars on a policy
— Discount to customers who pay in full at the beginning of a policy term
— Discounts for good students, safe drivers, people who pass defensive driving courses
What is the Progressive Snapshot discount?
One of the newest programs offered by Progressive is their Snapshot discount. This is a usage-based insurance policy that calculates premiums based on the driving behaviors of the insured. Customers install a device in their car that monitors how many miles are driven, what time they drive and basic driving behaviors like sharp turns and fast braking. These results are reported to the insurance company, which then calculates rates for that month. Drivers who use the Snapshot program can save as much as 25% if they drive infrequently.
In addition to these discount programs, Progressive provides a number of loyalty rewards to people who maintain long-term policies with the company. This improves the company’s customer loyalty index and helps keeps reduce rates over the life of a policy. Here are some of the loyalty programs Progressive offers:
— Accident forgiveness after four years of safe driving
— Claims under a certain amount won’t affect your policy
— Get a discounted rate after adding a young driver to your existing policy
— Rates decrease with each passing year
Customers who sign into the Progressive website will be able to view their policies online and see all of the discounts and loyalty programs that they might qualify for. They can also call the customer support staff or speak with an agent if they have a local agency. Although Progressive primarily sells policies through direct sales, there is a growing support staff in many areas.
Can You Really Name Your Own Price?
People who have seen Progressive commercials may have heard about the “Name Your Price” tool and wondered if it was true. In fact, Progressive does allow customers to name their own price for auto insurance. Once a customer has obtained an initial quote, he or she can tweak it to reflect the desired price.
In order to match this price, Progressive will alter coverages. For example, they may lower liability limits, increase deductibles or drop coverages. The resulting policy will meet the budgetary needs of the customer, but it may not offer an optimal amount of protection.
Before purchasing a reduced-rate auto policy, it’s a good idea to review your coverages and make sure you’ll be protected. By researching insurance and understanding what each coverage does and what you need, you can be sure that you don’t cut anything essential from your policy.
Ultimately, no single insurance company is unequivocally better than the competition. Every company has strengths and weaknesses, and price isn’t the only determining factor behind choosing an insurer. The best way to choose a new insurance company is to shop around, get a number of quotes and spend some time speaking with customer service. This will give you a good idea of what the company is like and whether it will be a good match for your needs.