Progressive Car Insurance Review

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Progressive is a major car insurance company which insures over 10 million customers in the United States. Progressive is a publicly-traded corporation on the New York Stock Exchange, with S&P 500 recognition and employs 27, 250 people nationwide, headquartered in Mayfield Village, Ohio.

Progressive Car Insurance History

Progressive began as a privately-owned insurance company in 1937 in Ohio. From its humble beginnings as a partnership, the company grew by leaps and bounds, offering affordable car insurance to rural residents and eventually city dwellers, too. As it grew, more and more lines of coverage were added, including specialty property-casualty coverage for a variety of needs. Today, Progressive provides car, homeowners, motorcycle, life, renter, mobile home, boat, RV, snowmobile and health insurance plans. Progressive even insures Segways!

The Progressive Girl Flo

Progressive has branched into the direct marketing field very successfully through a series of television commercials and internet advertising featuring brand-name recognition cues which have become household words. Who would not recognize “Flo,” Progressive Insurance’s enthusiastic employee whose face graces so many television commercials?

Actress Stephanie Courtney has been a big hit as the high-intensity “counter girl” at Progressive, delighting audiences with her comic commercials and quirky personality. In 2010, Progressive introduced a simultaneous advertising campaign featuring “the Messenger,” a slightly more sinister character which has not drawn the audience reaction of bubbly Flo. Ironically, there is no such thing as the Progressive “store” where Flo allegedly works; all Progressive sales are handled through direct marketing and by independent agents in their own offices.

About Progressive Car Insurance Coverage

Progressive offers a variety of car insurance protection options including liability, collision, comprehensive, uninsured and underinsured motorist coverage, GAP insurance, medical payments, and more. Optional products include roadside assistance, rental reimbursement and even pet injury coverage.

Progressive also offers a variety of discounts to its customers, making its prices very reasonable in many cases. Progressive even offers discounts for many options which are not offered by other car insurance companies. For example, you save $50 automatically when you “e-sign” your Progressive insurance policy. Homeowners receive a discount for both multi-policy and home ownership (even if you live in a condo or mobile home) and you can receive multi-policy discounts.

Progressive also offers unique discounts such as “Snapshot Coverage.” This discount is obtained by mounting a small electronic device in your car which sends feedback to the company about your driving habits, and compiles the information to figure your discount for your renewal. Snapshot coverage is ideal for those who want to take advantage of Progressive’s “pay as you go” policy, coverage which is charged based on the amount you drive. For those who drive few miles per week, this may well be one of the cheapest ways to get car insurance. Progressive also offers accident forgiveness for any wreck which is under a certain dollar amount in claims during a three-year period.

What is Progressive’s Name Your Price program?

Progressive’s “Name Your Price” coverage is another good example of one of the company’s innovative ways to save car insurance customers money. With Name Your Price coverage, you can change your deductible and coverage amounts until you find the price which will fit both your needs and your budget. By allowing this type of flexibility, Progressive provides its customers with options which make it a good company to work with in order to find affordable automobile insurance coverage.

Progressive Customer Service Review

Progressive’s customers seem to agree. In the 2011 J. D. Power and Associates national survey of customer satisfaction with automobile insurers, Progressive received “average” scores in all categories. In the national rankings, Progressive was ranked number 12, well above larger companies such as Allstate and Farmers. State Farm and Geico were the only major car insurance companies which ranked higher in customer satisfaction, along with quite a few smaller companies specializing in personalized service.

Progressive has several ways of dealing with customer service. Customers can access the Progressive website, which is extremely user-friendly and fun to use. On the website, you can chat with a representative, contact the company, manage your account and coverage, pay your bill, and read a number of informative articles on your insurance coverage options. You can also speak directly to a representative by phone, or locate a local Progressive agent. Progressive is sold through a number of independent agencies, so the chances are good there will be one somewhere in your neighborhood.

Progressive Accident Response

Progressive also employs dedicated adjustors and agents who are available to quickly assess damage in case of an accident. These “first responder” vehicles are easily recognized by their bright paint jobs, and cruise around various territories to be “on the spot” in case of the need for quick services. Response to these dedicated adjustors and this method of delivery has been positive on the part of customers, who feel that Progressive is taking their interests and needs into account. Progressive also offers you options when you do have to file a claim, including how your claim will be handled in terms of repair.

Progressive began life as a small company, and its growth has been regulated by customer needs and desires in such a way as to allow it to become one of the major car insurance companies in the United States. Progressive often has very competitive prices for its products, especially considering the multitude of options which are offered. In fact, Progressive’s dedication to innovation has probably been the touchstone of its success in the last ten years. Customers like the fact that Progressive offers things no other company offers, and the savvy advertising of these options, like instant quote comparison, has attracted a number of new customers, especially younger ones.

If you think Progressive might be the right company for you, you can easily obtain a quote on their website but always remember to compare multiple car insurance companies before buying car insurance.

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