Introduction to Progressive Insurance
Progressive is one of the largest auto insurance providers in the U.S., offering a wide range of insurance products, including auto, home, renters, motorcycle, boat, RV, and commercial vehicle insurance. Known for its competitive rates, discounts, and innovative tools like Name Your Price® and Snapshot®, Progressive makes it easy to customize policies to fit individual needs.
In this guide, we’ll cover:
- How to Get Insurance from Progressive
- Types of Progressive Insurance Policies
- Customizing Your Progressive Insurance Policy
- Discounts and Savings Opportunities
- Filing a Claim with Progressive
- Why Choose Progressive Over Competitors?
1. How to Get Insurance from Progressive
Step 1: Get a Quote Online or via Mobile App
Progressive offers multiple ways to get a quote:
- Online Quote Tool – Visit Progressive.com, enter your ZIP code, and follow the prompts.
- Mobile App – Download the Progressive app (iOS/Android) for a quick quote.
- Phone – Call 1-800-PROGRESSIVE to speak with an agent.
- Local Agent – Find a Progressive agent near you for in-person assistance.
Step 2: Compare Coverage Options
Progressive provides multiple coverage options, including:
- Liability Insurance (required in most states)
- Collision & Comprehensive (covers damage to your vehicle)
- Uninsured/Underinsured Motorist Coverage
- Medical Payments (MedPay) & Personal Injury Protection (PIP)
- Roadside Assistance & Rental Reimbursement
Step 3: Customize Your Policy
Adjust deductibles, coverage limits, and add-ons to fit your budget and needs.
Step 4: Finalize and Purchase
Review your quote, make any last-minute changes, and complete the purchase. You’ll receive proof of insurance instantly via email.
2. Types of Progressive Insurance Policies
A. Auto Insurance
Progressive’s most popular product, offering:
- Standard Coverage (liability, collision, comprehensive)
- Usage-Based Insurance (Snapshot®) – Save by driving safely.
- Rideshare Insurance – For Uber/Lyft drivers.
- Classic Car Insurance – For vintage/collector vehicles.
B. Homeowners & Renters Insurance
- Homeowners Insurance – Covers property damage, liability, and personal belongings.
- Renters Insurance – Protects tenants’ belongings and liability.
- Condo Insurance – Tailored for condo owners.
C. Motorcycle, Boat, and RV Insurance
- Motorcycle Insurance – Custom coverage for bikes.
- Boat Insurance – For yachts, pontoons, and fishing boats.
- RV Insurance – Covers motorhomes and travel trailers.
D. Commercial Auto & Business Insurance
- Commercial Auto – For business vehicles.
- General Liability – Protects small businesses.
3. Customizing Your Progressive Insurance Policy
Progressive allows extensive customization:
A. Adjust Deductibles & Coverage Limits
- Higher deductibles = Lower premiums (but more out-of-pocket in a claim).
- Lower deductibles = Higher premiums (less out-of-pocket later).
B. Add-Ons & Endorsements
- Roadside Assistance – Towing, lockout service, jump-starts.
- Rental Reimbursement – Covers rental car costs after an accident.
- Gap Insurance – Pays the difference if your car is totaled and you owe more than its value.
- Custom Parts & Equipment Coverage – For aftermarket upgrades.
C. Usage-Based Insurance (Snapshot®)
A telematics program that tracks driving habits (braking, speed, mileage) to offer discounts for safe driving.
D. Name Your Price® Tool
Enter your budget, and Progressive suggests coverage options that fit.
4. Discounts and Savings Opportunities
Progressive offers numerous discounts:
- Multi-Policy (Bundle Discount) – Save by bundling auto + home.
- Multi-Car Discount – Insure multiple vehicles.
- Safe Driver Discount – For accident-free records.
- Good Student Discount – For students with a B average or higher.
- Pay-in-Full Discount – Save by paying upfront.
- Continuous Insurance Discount – For maintaining prior coverage.
- Homeowner Discount – Even if you don’t bundle.
- Online Quote Discount – Just for getting a quote online.
5. Filing a Claim with Progressive
Step 1: Report the Claim
- Online at Progressive.com/claims
- Via the Progressive mobile app
- Call 1-800-776-4737
Step 2: Provide Details
- Photos of damage
- Police report (if applicable)
- Witness statements
Step 3: Get an Estimate
- Use a Progressive-approved repair shop or choose your own.
- An adjuster may inspect the damage.
Step 4: Claim Approval & Payment
- Once approved, Progressive will pay for repairs (minus deductible).
- For totaled vehicles, you’ll receive the actual cash value.
6. Why Choose Progressive Over Competitors?
✅ Competitive Pricing – Often cheaper than Geico, State Farm, and Allstate.
✅ Flexible Payment Plans – Monthly, bi-annual, or annual options.
✅ Innovative Tools – Snapshot®, Name Your Price®, and mobile app convenience.
✅ Strong Financial Stability – High ratings from AM Best & J.D. Power.
✅ 24/7 Customer Support – Claims and support available anytime.
Final Thoughts
Progressive makes it easy to get customized, affordable insurance. Whether you need auto, home, or specialty coverage, Progressive offers flexible options, discounts, and a seamless claims process.
