Progressive Auto Insurance received a 4.6 rating score out of 5 based on the overall performance, including pricing scheme, benefits, claim submission, complaints summary from NAIC, and website transparency. It offers standard auto insurance options with typical add-ons, such as rental car coverage, roadside assistance, gap insurance, pet injury protection. Details below!
Progressive Auto Insurance gives you options to choose from:
- Rideshare Insurance expands your auto policy anytime you have the app on, so you’re covered even between rides. Meanwhile, typical insurance from ridesharing companies only covers the period between accepting and dropping off a customer from a ride.
- Comprehensive Coverage – average cost is $23 per month with the most common deductible of $500. It covers damage to your car caused by events out of your control, like theft, vandalism, glass damage, fire, animal accidents, acts of nature, etc.
- Collision Coverage – average cost is around $61/month and is transferrable to a rental car. It protects against damage to your car from hitting another vehicle or object, regardless of fault.
- Gap Insurance – is a supplemental policy that covers the difference between the insured value of a vehicle and the loan balance. Progressive will pay up to 25% above the value of your car if it’s totaled. However, you must purchase both comprehensive and collision coverage to buy gap insurance.
- Custom Parts & Equipment Value – pays to fix or replace custom accessories you add to your car. It is up to $5,000 in coverage for add-ons such as custom wheels, a fancy paint job, an after-market stereo, or similar upgrades.
- Pet Injury Protection – included in collision coverage that you can purchase. In case your pet was injured in a car accident, vet bills will be covered.
- Deductible Savings Bank – this program can be added to reduce your deductible by $50 every six months you’re claim-free, all the way down to $0 if you have comprehensive and collision coverages.
Safe drivers – Save more!
There are multiple ways for good drivers to save on premiums with Progressive. Its unique Snapshot option allows downloading a mobile app to track their driving and reduce premium rates if for safe drivers. Moreover, app users can also sign up for a deductible bank, that will reduce collision and comprehensive deductibles by $50 per month, updated every six months if you go without making a claim.
Competitive Premiums for Drivers with Accidents
Progressive provides a competitive insurance premium price for drivers with an accident record, comparing to many other insurance companies including Geico and State Farm.
The Name Your Price® Tool
This unique “Name Your Price” tool makes it easier to get affordable protection when shopping for coverage. You can specify your budget there, and it will display how much coverage you can afford to get.
