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Progressive Auto Insurance Reviews

Jul 27, 2022 By Susan Kelly

Auto insurance from Progressive includes various coverage options, such as liability, extensive and collision coverage, and uninsured and underinsured motorist plans. Customers who wish to reduce the amount they spend on premiums have several insurance discount options, making this a suitable option.


However, the cost of a policy might change based on how the quote is retrieved and how the application is completed. Policies may also be costlier than the products of some of the company's competitors. With more than 18 million policyholders, Progressive is one of the most successful automobile insurers in the United States.


The company's humorous spokesman, Flo, is one of the reasons for its success. Coverage for your automobile, property, business and personal belongings is available from Progressive, an insurance company.


Progressive can differentiate itself from its rivals because it provides one-of-a-kind discounts, such as the Save with Snapshot program.


Pros




A diverse selection of policy discounts: Progressive provides 13 insurance discounts, with options ranging from those based on loyalty to those based on the driver.


Complaints from customers below average: The National Association of Insurance Commissioners (NAIC) gave Progressive an above-average complaint score of 2.27 for the year 2021, putting it in a position where it is higher than the average score of 1.0.


24/7/365 client assistance: Customer care representatives are available around the clock, every day of the week, and throughout the year at Progressive.


Cons


Because of internet discounts and other charges, rates for the same policy can be variable based on how the customer gets a policy. This means that customers may pay more or less for the same policy depending on how they choose to make their purchase.


There is a possibility that premiums will be on the higher end: When compared to other companies' offerings in auto insurance, Progressive's premiums could be higher in some regions than others.


Customers' satisfaction ratings are significantly higher for competitors: According to the findings of the 2021 U.S. Auto Insurance Study conducted by J.D. Power, the only state or region in the United States in which Progressive was ranked among the top three insurance providers in terms of customer happiness was Texas.


Types Of Coverage




Liability Coverage. Most states mandate that drivers carry liability insurance, which pays for other people's medical bills and repairs to their property if they are injured in a car accident. Situations that result in damage to automobiles, property, or other people, as well as hospital expenses and court fines, are covered under this policy.


Comprehensive and Collision Coverage. If the insured is involved in an accident, their extensive accident coverage will pay for the repairs or replacements of their car, regardless of who was at fault in the event.


However, these are two quite different kinds of insurance. Collision insurance will cover serious accidents in other automobiles or inanimate ones, such as a road crash or a crash into a pole. In contrast, comprehensive insurance covers events out of one’s control, such as striking a deer or a tree branch falling onto a car.


Both types of insurance are required by law in most states. Theft, vandalism, fire, and other natural disasters are some things covered by comprehensive insurance, which has a deductible.


Uninsured and Underinsured Motorist. Accidents caused by a driver with either no insurance or inadequate insurance protection are covered by uninsured and underinsured motorist insurance.


More specifically, uninsured motorist insurance protects the policyholder if a motorist strikes them without automobile insurance. In contrast, underinsured motorist insurance safeguards policyholders if they are struck by a motorist who does not have adequate insurance coverage to compensate for any injuries or damages they may have caused. Uninsured and underinsured motorist coverage is typically sold together and is required by law in several areas.


Discounts


Policyholders of Progressive can choose from 13 different discounts. A few common designations are policies, multiple automobiles, safe drivers, and good students. Please be aware that certain discounts may not be available to residents of certain states (such as California).


Loyalty-Based Auto Discounts


Multi-policy: Containing two or more policies via Progressive pays an average of 5 percent. You could save by merging auto and home/renter coverage or several auto plans.


Multi-car: Having over one vehicle policy with Progressive saves an estimated 4 percent.


Continuous insurance: Moving to Progressive qualifies you for a reduction based on how long the policyholder was with a former insurer; the longer the insurer, the higher the discount. Applicants may be disqualified if they have lapsed in insurance for more than a month.


Driver Based Auto Discounts


Safe driver discount: With Progressive’s Portrait program, the safer one drives, the more one can save.


Teen Driver Discount. Adding a minor to a parent's insurance is usually less expensive than purchasing a different plan, even without the teen driver discount. This discount is accessible to minors on the policy who are under the age of 18. If one insurance has many vehicles, the adolescent will be covered to operate all of them.


Discounts for students: To be eligible, you must be enrolled full-time and have a minimum grade point average of a B. (average discount of 10 percent).

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