Progressive is a family title, popularized by its string of advertisements with Flo from Progressive. As one of many largest nationwide insurers within the US, the service operates in all 50 states plus Washington, DC, and writes insurance policies starting from car and property to private and enterprise insurance coverage.

Progressive

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Like

• Accident forgiveness
• Rideshare insurance coverage for Uber and Lyft drivers
• Superior A+ Ranking from A.M. Greatest
• Decrease charges for teen drivers
• Bundling reductions
• Excessive digital expertise rankings

Do not Like

• Excessive criticism report
• Low auto claims satisfaction scores
• Center-of-the-road insurance coverage charges
• Small accident forgiveness solely covers claims as much as $500

Though this service affords middle-of-the-road charges, it does present cheaper insurance coverage choices for including teen drivers to your coverage. Furthermore, Progressive affords a extremely accessible digital expertise and nationwide availability, making it a worthy contender to incorporate in your automotive insurance coverage search.

On this article

• Execs and cons
• Value
• Protection choices
• Reductions
• Buyer satisfaction and complaints
• Protected driving telematics options
• Different options

This is our overview of Progressive for 2022.

Execs of utilizing Progressive

Progressive has a big swath of insurance coverage merchandise, from automotive, boat and bike insurance coverage to renters, residence and life insurance policies. One main profit Progressive affords is a reduction for bundling insurance policies collectively, bringing down your total value. 

Progressive additionally affords automotive protection varieties that different main suppliers do not, together with hole insurance coverage (which we suggest in case you’re leasing or financing your car) and rideshare insurance coverage for Uber or Lyft drivers.

Cons of utilizing Progressive

Progressive’s greatest downside is its excessive criticism rating, primarily based on the Nationwide Affiliation of Insurance coverage Commissioner’s index. Its rating signifies that Progressive has greater than twice the variety of complaints filed in opposition to it than the common filed in opposition to its opponents. Furthermore, the service has notably low auto claims buyer satisfaction scores, in accordance with a J.D. Energy Survey. Mix low scores with common charges, and also you get an insurance coverage firm that may not be the best choice for everybody. 

Progressive insurance coverage value

Progressive is a middle-of-the-line insurer in the case of prices. It is not the most costly, but it surely additionally is not the most cost effective — its common annual full protection premium is simply $200 under the trade common, in accordance with Bankrate. Furthermore, Progressive’s minimal protection per 12 months is $542, in contrast with an trade common of $545.

Although Progressive’s charges are so-so throughout the board, including a teen driver to your coverage is so much cheaper with this service. On common, including a 16-year-old driver to your coverage could value $500 much less with Progressive in comparison with the nationwide common.

Progressive protection choices

Progressive affords nearly each main protection kind you may want for an auto coverage. Listed below are a few of their main choices:

• Bodily harm legal responsibility safety: This protection pays for accidents to others attributable to the policyholder and different drivers listed on the coverage. Bodily harm legal responsibility safety is required in most states.
• Property injury legal responsibility safety: This protection pays for injury brought on to a different’s property. Most prominently, that is aimed toward different automobiles, however it might additionally embody different private property like fences or mailboxes. Property injury legal responsibility is required in all US states. 
• Private harm safety (PIP): This protection pays for the medical prices and misplaced wages of the motive force and passengers of the policyholder’s automotive if harm happens, as much as the coverage’s limits, no matter fault. PIP can also embody protection for funeral bills and important companies, like baby care or dog-walking, that you could be be unable to carry out on account of bodily accidents. PIP is required in 14 states.
• Uninsured or underinsured motorist protection: This protection pays in your and your passengers’ medical bills as much as the coverage’s limits when an underinsured or uninsured motorist causes an accident. Uninsured motorist property injury is obtainable in some states to assist cowl repairs to your car if broken by an uninsured driver.
• Medical funds: Much like PIP protection, medical funds assist pay for medical prices of the policyholder and their passengers as much as the coverage restrict, no matter fault. Nevertheless, not like PIP, medical funds don’t cowl misplaced wages or important companies. Med Pay is an non-compulsory protection in most states, however it’s required in a couple of states. 
• Collision protection: This protection pays for injury to your car in an accident ensuing from a collision between your automotive and one other automotive or an object.
• Complete protection: This protection pays for injury to your automotive attributable to an occasion apart from collision. This contains theft, hearth, flood, hail, vandalism and extra.
• Rideshare protection: This protection helps you fill the gaps that Uber or Lyft does not cowl. At Progressive, you need to add this protection to your coverage in case you drive for a rideshare service.
• Mortgage/lease payoff protection: Progressive does not provide hole insurance coverage, but it surely does provide mortgage and lease payoff protection. Much like hole insurance coverage, payoff protection helps you pay within the occasion an accident leaves your automotive badly broken or totaled, overlaying the distinction between what your car’s market worth is and the quantity you owe on it. The primary distinction: For payoff protection, payout is proscribed to not more than 25% of your car’s precise money worth, although the restrict varies by state.

Progressive reductions

Progressive affords an awesome record of reductions which will provide help to carry your premiums down. 

This is a listing of notable reductions and the way a lot it can save you on common:

• Multi-policy low cost: 5%
• Multi-car low cost: 4%
• Snapshot: Protected driver low cost: $146 per 12 months
• Good scholar low cost: 10%
• House owner low cost: 10%
• On-line quote low cost: 7%
• Signal on-line low cost: 9%

Progressive has different reductions, too, together with a teen driver low cost and a paperless low cost. Nevertheless, common financial savings fluctuate for these reductions.

Buyer satisfaction

Progressive has decrease than common buyer satisfaction scores, with auto claims satisfaction scores rating notably low at 862 out of 1,000, in accordance with a J.D. Energy survey. For context, the trade baseline for auto claims satisfaction clocks in at 880. Its buyer satisfaction is far nearer to the trade baseline, scoring 830 out of 1,000 for all areas, in comparison with an trade common of 834.

Whereas these scores are low, Progressive clients are usually very happy with their digital expertise, in accordance with one other J.D. Energy survey. Progressive ranks second on this class amongst all giant automotive insurers, simply behind Geico, which has received two Webbys for its digital infrastructure (powerful competitors to beat!).

Complaints

This is the most important thorn in Progressive’s facet: the variety of complaints it receives nationally. In line with the NAIC’s criticism index, Progressive is listed at 1.28, which means that it receives extra complaints than the trade common.

Telematics program

Progressive’s telematics program, Snapshot, screens how safely and the way a lot you drive. You may enroll on this program on-line and use Progressive’s cell app or plug-in automotive system to take part. Most drivers save a median of $146 per 12 months utilizing Snapshot, in accordance with Progressive. Nevertheless, it is essential to notice that utilizing Snapshot might enhance your charges in case you have interaction in high-risk driving, together with braking laborious and accelerating instantly. 

Different options we like

Progressive’s free cell app is obtainable on the Apple App Retailer and the Google Play Retailer. On this app, you may view your coverage’s info, pay your invoice, view your insurance coverage card, file claims, name roadside help and get quotes for Progressive’s different insurance policies. The “Title Your Value” software is especially useful right here: It permits you to enter in how a lot you wish to pay in your insurance coverage, and Progressive will present protection choices that suit your funds.

Nevertheless, the app solely permits you to handle your automotive insurance coverage coverage and never your private home, renters, apartment or umbrella insurance policies with Progressive. As a substitute, these insurance policies will be managed straight on Progressive’s web site.

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The editorial content material on this web page relies solely on goal, unbiased assessments by our writers and isn’t influenced by promoting or partnerships. It has not been supplied or commissioned by any third social gathering. Nevertheless, we could obtain compensation whenever you click on on hyperlinks to services or products provided by our companions.

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