Progressive Auto Ins Coverage Review 2020 United States Free Guide Save on Premiums and Deductibles - Think Wise
This Progressive auto ins blog will help you, how to choose the best and cheap auto insurance coverage with great discounts. We request you to read this blog till the end, it will provide you value and it will save your's valuable time and money.
If you don't want to read a full article no worries. We created a table of content to save your's valuable time.
At the end of this blog, we answered to most common questions, which people are searching on Google.
Table of Content:
1. History of (Progressive auto insurance)
2. To how many States Progressive Auto Insurance Offers, its insurance coverage in the United States of America?
3. How much does Progressive car insurance cost by state?
§
Low
cost states:
§
Why these are Low-cost states?
§
Medium cost states
§
Why
these are Middle-cost states?
§
High
Cost States:
§
Why
these are High-cost states?
4. Progressive insurance Pros:
§
Multiple premium discounts available:
5. Progressive insurance Cons:
§
Prices vary with the purchase method:
6. Coverage that pays bills for damages you caused:
§
Bodily injury liability:
7. Coverage that helps protect you if you are injured:
§
Personal Injury Protection (PIP):
8. Coverage that helps protect you from drivers without insurance:
§ Uninsured/underinsured motorist:
9. Coverage that helps protect your vehicle:
§
Collision:
10. Extra progressive insurance coverages and benefits:
§
Roadside Assistance:
11 . Factors that affect your cost:
§
Driving Record:
History of (Progressive auto insurance)
Progressive is an American auto insurance company. It is one of the Largest Auto coverage Companies in The United States of America.
This auto insurance Co-founded in 1937 by Jack green and Joseph M. Lewis. Its Head Quarter in Mayfield Village Ohio United States.
It is the Largest Auto Insurance in The United States by its Total Revenue.
This auto insurance has Over 13 Million Policies in force. Countrywide 22 Plus million drivers trust Progressive.
They offer their services through the internet, phone, and through independent insurance Agents.
Progressive agencies sell a business through 30,000 thousand independent insurance Agencies and Progressive has a website. where customers can generate quotes for their own policies after that contact an Agent to complete a Sale.
o Homeowner:
If you own a home, you become eligible for the homeowner discount. On average, you will save 10%.
o Online Quote:
Apply for your policy quote online and save an average of 4%.
o Sign Online:
If you feel comfortable signing your insurance documents online, you can save an average of 8.5%.
v
To how many
States Progressive Auto Insurance Offers its insurance coverage in the United States of America?
Ø
This Auto Insurance Offers its coverage
to all 50 states of the United States of America but insurance rates and
special coverages may vary from state to state:
(2) Alaska
(3) Arizona
(4) Arkansas
(5) California
(6) Colorado
(7) Connecticut
(8) Delaware
(9) Florida
(10) Georgia
(11) Hawaii
(12) Idaho
(13) Illinois
(14) Indiana
(15) Iowa
(16) Kansas
(17) Kentucky
(18) Louisiana
(19) Maine
(20) Maryland
(21) Massachusetts
(22) Michigan
(23) Minnesota
(24) Mississippi
(25) Missouri
(26) Montana
(27) Nebraska
(28) Nevada
(29) New Hampshire
(30) New Jersey
(32) New York
(33) North Carolina
(34) North Dakota
(35) Ohio
(36) Oklahoma
(37) Oregon
(38) Pennsylvania
(39) Rhode Island
(40) South Carolina
(42) Tennessee
(43) Texas
(44) Utah
(45) Vermont
(46) Virginia
(47) Washington
(48) West Virginia
(49) Wisconsin
(50) Wyoming
v How much does Progressive car insurance cost by the state?
How much your car coverage cost you depends on various
factors including your car age, driving records, location extra.
The average cost of Progressive car coverage by state divided Into three categories:
o Low cost states.
o
Medium cost states.
o High-cost states.
Ø Low-cost states:
Average monthly prices: $114
Total six-month policy average: $682
States included:
(1) California
(2) Hawaii
(3) Idaho
(4) Illinois
(5) Indiana
(6) Iowa
(7) Maine
(8) Montana
(9) New Hampshire
(10) North Carolina
(11) North Dakota
(12) Ohio
(13) Tennessee
(14) South Dakota
(15) Vermont
(16) Wisconsin
(17) Wyoming
Ø Why these are Low-cost states?
These are low-cost states because most of these states are not in a coastal area and they are not susceptible to catastrophic weather like hurricanes.
It means Lesser claims in whether related to auto repairs in general, additionally in these states lesser vehicles stolen reports recorded each year as compared to other states.
Which means lower risk for auto coverage company and therefore, lower auto coverage prices.
Ø Medium cost states:
Average monthly price: $137
Total six-month policy average: $819
States included:
(1) Alabama
(2) Alaska
(3) Arizona
(4) Arkansas
(5) Colorado
(6) Kansas
(7) Minnesota
(8) Mississippi
(9) Missouri
(10) Nebraska
(11) New Mexico
(12) Oklahoma
(13) Oregon
(14) Pennsylvania
(15) Virginia
(16) Washington
(17) West Virginia
Ø Why these are Middle-cost states?
In this list, some states are coastal, which increases the risk of damage due to catastrophic weather. In these states, stolen vehicle reports recorded more than the lower-cost states (for vehicle theft rates).
The risk of an auto insurance company is more than the lower-cost states and less than the high-cost states that’s why these states called middle cost states.
Ø High-Cost States:
Average monthly price: $190
Total six-month policy average: $1,142
States included:
1. Connecticut
2. Delaware
3. District
of Columbia
4. Florida
5. Georgia
6. Kentucky
7. Louisiana
8. Maryland
9. Massachusetts
10. Michigan
11. Nevada
12. New
Jersey
13. New
York
14. Rhode
Island
15. South
Carolina
16. Texas
17. Utah
Ø Why these are High-cost states?
These are the higher population
density states, like New York, tend to have more car accidents.
Additionally, this list contains more coastal states, which means a higher risk of floods and hurricanes.
A few other states have more complex coverage criteria, which could result in higher prices.
How will you get a discount on your car coverage?
There are various ways through which
you can save on auto coverage.
Many insurers offer discounts for having more than one insurance policy with them, in addition to ensuring more than one vehicle.
Review the list of car insurance discounts available on Progressive to see even more ways you can save.
This statistic shows the average rate for a six month only liability auto policy between 2019 and 2020.
When researching average prices, it is difficult to pay attention to the source and year of the data.
Policy Rates are always changing and older data may no longer be relevant.
While this statistic provides insight into the average cost of car insurance in every state, it is not customized to your specific situation.
v Progressive insurance Pros:
Ø Multiple premium discounts available:
Progressive insurance has several discounts that can reduce your coverage premiums, including various policy, good student and pay-in-full discounts, plus its Snapshot program.
Ø Rideshare insurance available:
If you have a personal Progressive auto coverage policy and drive with Uber or Lyft, you can add rideshare coverage to your policy.
Ø Gap insurance available:
If
you financed or leased your car, you can get guaranteed asset Protections
coverage, through Progressive auto insurance, to cover the difference between
what you owe on your car and its exact value if it is totaled in an accident.
v Progressive insurance Cons:
Ø Prices vary with purchase method:
A strange aspect of Progressive’s is that its pricing is dependent on how you purchase your policy. It sells coverage online, through agents and over the phone and your pricing will vary depending on which medium you use.
Ø Discounts not available in all states:
Progressive insurance discounts are not available in all states.
For example:
It's home and auto insurance bundle discounts vary and not every customer qualify based on their location.
v TIPs:
It is wrong to ask your agent for the least expensive policy because you
have plenty of other expenses to cover now that you are a car owner.
Think about, if your car was totaled in an accident, or you seriously injured someone, a few extra dollars of auto insurance coverage per month might be money wisely spent.
Below are some of the common coverages to consider for your basic auto policy.
Ø COVERAGE THAT PAY BILLS FOR DAMAGES YOU CAUSED:
There are two kinds of liability coverage. Both are required by law in most states of the United States of America.
o Bodily injury liability:
If any buddy is injured as a result of an auto accident you caused, this coverage can help you pay for your legal fees, as well as the injured person’s medical bills and lost wages. This coverage usually includes two separate limits:
1st applies to each injured passenger ($50,000 instantly) and 2nd that applies to each accident ($100,000 instantly).
o Property damage liability:
If any buddy property is damaged as a result of an auto accident you caused, such as a fence/boundary wall, garage door, with your vehicle, this coverage can protect you. Property damage coverage can help reimburse the other party for their losses, so you don't need to pay them out of your own pocket.
Ø COVERAGE THAT HELPS PROTECT YOU IF YOU ARE INJURED:
o
Personal Injury Protection (PIP):
If you are injured in a car accident, this coverage can pay for your health insurance deductible (if you have one) as well as medical costs that exceeds your health insurance limits.
This coverage can pay for your lost wages and loss of services, such as picking up your kids from school, while you recover. Worst-case scenario:
PIP can pay for your funeral expenses.
o Medical payments:
Like Personal Injury Protection, this coverage can pay for your medical bills related to a car accident.
However, this coverage also extends to your passengers and a family member who was driving the vehicle when the accident takes place.
Also, if you or a family member are injured in another car or as a pedestrian, this coverage can help pay for medical bills.
Ø Coverage that supports to protect you from drivers without insurance:
o Uninsured/underinsured motorist:
This coverage can protect you if you are hit by a driver who has no auto insurance or whose auto policy limits are too low to cover the accident's full costs.
This coverage can pay for your medical expenses and depending on your state's auto insurance laws possibly for damage to your vehicle.
Ø Coverage that helps protect your vehicle:
o Collision:
If you need to repair or replace your vehicle after a collision with another car, this coverage can cover the costs.
o Comprehensive:
This coverage can pay for damage to your car that is not related to an auto accident. Examples: fire, damage by animals, theft, or falling objects.
o Guaranteed Asset Protection (GAP):
If your car is totaled in an accident or stolen, your insurance company typically will pay you fair-market value for the car.
However, if you still owe a financial institution more than the vehicle
worth, Guaranteed Asset Protection coverage will pay the difference.
Ø Extra Progressive Insurance Coverages and Benefits:
o
Roadside Assistance:
o
Rental Car Reimbursement:
If you are in an insurance covered accident, this insurance coverage will pay for rental car bills while your car is being repaired.
o
Custom Auto Parts and Equipment
Value:
This auto insurance coverage will pay for repairs or replacements for items that you added to your car, like stereos or custom wheels.
o Rideshare auto insurance Coverage:
If you drive for a rideshare service, you can add this to your insurance policy to fill the gap when your commercial policy is not in effect.
o Deductible Savings Bank:
With this feature, Progressive insurance will subtract $50 from your collision and comprehensive deductible for every claim-free policy period.
Ø
Factors
That Affect Your Costs:
Progressive auto insurance looks into a number of factors when determining your premiums, are given below:
o Driving Record:
A clean driving record will support you to secure a lower premium rate. If you have a history of driving violations or accidents, you will pay a higher premium.
o Annual Mileage:
If you have a long commute or drive a lot for pleasure, therefore, your level of risk increases in getting in an accident. As a result, you will pay a higher insurance premium rate.
o Location:
If you are living in an urban area, it's pointing towards you has a higher risk of being in an accident or experiencing theft. You will pay a higher premium rate than someone living in a suburban or rural area.
o Age:
Older drivers likely on average to be in fewer accidents than younger drivers. Younger drivers, particularly teens, will pay higher premium rates.
o Gender:
Statistically, women drivers are in fewer accidents than men, and their accidents likely to be less serious. On average, women pay less premium rates for car insurance than men.
o Vehicle:
Your vehicle’s age, model, engine size, and cost will also affect your insurance premiums.
Common Question People Also Ask:
Question:
Is progressive auto insurance good and reliable?
Answer:
Progressive auto insurance earned 4.5 stars out of 5 for overall performance. Due to these ratings, Progressive is among NerdWallet's Best Auto Insurance Companies for 2020.
Question:
Is
progressive auto insurance giving or offering refunds?
Answer:
It is giving policyholders a 20 percent credit and also waiving late fees and non-payment policy cancellation.Question:
Is progressive auto ins giving rebates?Answer:
Progressive Ins declared that it is granting approximately $1 billion to its vehicle insurance customers due to a decreasing number of claims and notice less driving pattern on the monitoring graph due to COVID-19 pandemic.Question:
Is progressive auto insurance good Reddit?Answer:
I had Progressive for 10 years without issue and they consistently have the lowest rates in my area. They went to deal for me when the at-fault party's insurance company was troubling me around with my vehicle and got it sorted instantly. Progressive auto ins have my home coverage and again, no complaints.Question:
Is progressive vehicle insurance cheap?Answer:
It's car ins is cheap because it offers a number of different discounts and equipped consumers with advanced tools and android and web apps to get the best rates. It also offers the Price app, which allows customers to make their own price package for vehicle coverage and offers a number of different coverage options that best match their budget.Question:
Does progressive auto insurance cover windshield replacement?Answer:
You can get a cracked windshield repaired without paying a deductible so long as the crack is repairable and less than 6 inches long. In addition, they offer a $0 deductible option to its customer for glass replacement claims in some states.Question:
Does progressive auto insurance have roadside assistance?Answer:
It's Emergency Roadside Assistance that exists for your peace of mind. If you buy this coverage with your policy, it is available 24/7 a week just dial and calls on 1-800-776-2778 at any time and an auto ins representative will send a roadside service professional instantly.Question:
Does progressive auto insurance have a grace period?Answer:
It has a grace period of up to 10 - 20 days, depending on state laws where you live. If you fail to make your payment on the due date, Progressive auto ins will send you a formal cancelation letter within 14 days of the original due dateQuestion:
Does progressive auto insurance cover Uhaul?Answer:
You'll certainly save on moving expenses by taking on the heavy lifting by yourself or with friends, but you may not be covered against damaged items. In addition, if you are renting a moving truck or van, you need to purchase the optional collision damage waiver coverage from the truck or van rental company.Question:
Does progressive auto insurance have an accident forgiveness?Answer:
Depending on the state, Its customers enjoy Accident Forgiveness benefits through our Loyalty Rewards program. If customers qualify, they would not increase your rate because you had face an accident, even if it is your fault. In the majority of states, you will get Small Accident Forgiveness as soon as possible after you start your insurance policy.Question:
Does progressive auto insurance cover tow?Answer:
Its Roadside Assistance pays for a towing service if your car breaks down for any reason, whether you're on the road or in your driveway. It tow you to the nearest repair facility center or the mechanic shop of your choice if the shop is near 15 miles.Question:
Does progressive car insurance accept American express payment?Answer:
If you have American express automatic payments set up, then your payment will be accepted.Question:
Does progressive auto insurance offer military discount?Answer:
It does not offer a military discount. But Progressive ins claims that their 99% Customers qualify for one discount.Question:
How are progressive vehicle insurance rates?Answer:
Progressive auto ins rate depends on many factors, like your driving history and the model of vehicle you own.Question:
How does progressive vehicle insurance work?Answer:
It supports against damage to your vehicle from accidents which is not in your control, like Theft, Windshield and glass damage extra.Question:
How to cancel progressive auto insurance?Answer:
To cancel a policy, the policyholder needs to call 1-866-416-2003 to speak with a representative. Customers cannot cancel coverage online through the web or android app, but customers can cancel on the phone 24/7. The cancelation process can be arranged for a future date or if the customer wants the cancelation process will be implemented immediately.Question:
How to cancel progressive auto insurance online?Answer:
You can't cancel coverage online, but you can cancel over the phone at any time.Question:
What does progressive auto insurance cover?Answer:
It covers damage to your vehicle from events (Theft, Windshield and glass damage) that is not in your control.Question:
What is a progressive auto insurance id number?Answer:
Numbers used to identify customers and types of coverage.Question:
What is the progressive auto insurance NAIC number?Answer:
NAIC stands for National Association of Insurance Commissioners. this number assigns to each individual underwriting. You can found the NAIC number found on your insurance card. NAIC is a 5-digit number. Contact the insurance office and the representative will give you the NAIC for your auto registration process.Question:
What is progressive auto insurance?Answer:
It is an American insurance company, one of the largest car insurance company in the United States.Question:
Where to pay progressive auto insurance?Answer:
It also provides an app through which you can manage your account and make payments. Download this app from the phone app store. Through Phone, you can make payment directly by calling on toll-free number 1-800-776-4737, this is an automated phone payment system.
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