Progressive is one of the largest and most popular auto insurance companies in the United States, with more than 20 million customers and a market share of over 14%. But what do its customers think about its products, services, and prices?
In this article, we will review some of the
features, benefits, and drawbacks of Progressive car insurance, based on
customer feedback from various sources.
Also read anbout: Can I get insurance for my old car in the United States?
Features of Progressive
Car Insurance
Progressive offers a wide range of coverage
options for different types of vehicles and drivers, including:
·
Liability coverage: This covers the expenses if you
cause an accident that injures someone or damages their property. It also pays
for legal fees if you are sued. Liability
coverage is required by most states.
·
Comprehensive and collision coverage: These
coverages pay for the repairs or replacement of your vehicle if it is damaged
by events such as theft, vandalism, fire, or collision with another object or
vehicle. You can choose your deductible amount, which is the amount you pay out
of pocket before the insurance kicks in.
·
Uninsured/underinsured motorist coverage: This
covers your injuries and property damage if you are hit by a driver who has
little or no insurance, or who flees the scene. It also covers you if you are
involved in a hit-and-run accident.
·
Roadside assistance: This pays for emergency
services such as towing, battery jump-start, flat tire change, fuel delivery,
or lockout service if your vehicle breaks down or is disabled on the road.
·
Rental car reimbursement: This covers the cost of
renting a car while your vehicle is being repaired or replaced due to a covered
accident. You can choose the daily limit and the maximum number of days for
this coverage.
·
Loan/lease payoff: This covers the difference
between what you owe on your vehicle and its actual cash value if it is totaled
or stolen. It can help you avoid paying out of pocket if you have a loan or
lease on your vehicle.
·
Custom parts and equipment value: This covers the
cost of repairing or replacing items that you add to customize your vehicle,
such as stereo systems, navigation devices, custom wheels, or paint jobs. You
can choose the limit for this coverage, up to $5,000.
·
Rideshare coverage: This covers you when you drive
for a rideshare service such as Uber or Lyft. It fills the gap between your
personal auto policy and the commercial policy provided by the rideshare
company.
·
Mexico car insurance: This covers you when you
drive in Mexico. It provides liability coverage and legal assistance if you are
involved in an accident south of the border.
N Don't leave without reading: How to get a discount if you insure more than two cars in USA
Benefits of Progressive
Car Insurance
One of the main benefits of Progressive car
insurance is its competitive pricing and discounts. Progressive offers several
ways to save money on your auto insurance premium, such as:
· Bundle discount: You can save an average of
4% on your auto insurance when youcombine it with home, renters, condo, or
other types of insurance from Progressive.
· Snapshot discount: You can save an average of $231
per year by using Snapshot, a program that personalizes your rate based on your
driving habits. You can use Snapshot through a mobile app or a device that
plugs into your car. It tracks how much you drive, how fast you drive, how hard
you brake, and when you drive.
· Name Your Price Tool: You can use this tool to tell
Progressive what you want to pay for your auto insurance policy. Progressive
will then show you the coverage options that fit your budget. You can adjust
your price and coverages until you find the right balance for you.
· Online quote discount: You can save money by
getting an online quote from Progressive before buying a policy. You can compare rates
and coverages from different insurers using AutoQuote Explorer, a tool that
shows you how much other drivers like you pay for auto insurance.
· Online sign discount: You can save money by signing
your policy documents online when you buy or renew a policy from Progressive.
· Pay in full discount: You can save money by paying
your entire premium upfront instead of in monthly installments.
· Automatic payment discount: You can save money by
setting up automatic payments from your checking account or credit card.
· Continuous insurance discount: You can save money
by having continuous auto insurance coverage, even if it was with another
company before switching to Progressive.
· Good student discount: You can save money if you
are a student under 23 years old who maintains a B average or better.
· Distant student discount: You can save money if you
are a student under 23 years old who lives more than 100 miles away from home
and does not have a vehicle at school.
· Teen driver discount: You can save money if you add
a teen driver to your policy who has no violations or accidents on their
record.
· Homeowner discount: You can save money if you own a
home, even if it is not insured by Progressive.
· Multi-car discount: You can save money if you
insure more than one vehicle with Progressive.
Another benefit of Progressive car insurance is its customer service and claims handling. Progressive offers 24/7 customer support through phone, online chat, email, or mobile app.
You can also manage
your policy, make payments, request changes, view documents, and access your ID
cards online or through the app. Progressive also has a network of local agents
who can help you with your insurance needs.
If you need to file a claim, you can do so online, by phone, or through the app. You can also track the status of your claim and communicate with your claims representative online or through the app.
Progressive has a network of repair shops that offer guaranteed repairs
for as long as you own or lease your vehicle. You can also choose your own
repair shop if you prefer. Progressive also offers a concierge level of claims
service, where you can drop off your damaged vehicle at one of its service
centers and pick up a rental car. Progressive will handle the rest of the
process for you.
Drawbacks
of Progressive Car Insurance
One of the drawbacks of Progressive car insurance is that its prices may vary depending on how you buy a policy. Progressive sells its policies through three channels: online, by phone, or through an agent.
The prices for the same policy may be different across these
channels because of online discounts, agent commissions, and other factors.
Therefore, it is advisable to compare quotes from different channels before
buying a policy from Progressive.
Another drawback of Progressive car insurance is that its policies may be more expensive than some competitors’ offerings depending on where you live and what type of driver you are. For example, according to our analysis, Progressive has the second-highest average annual rate for teen drivers among the major insurers we reviewed.
It also has
higher-than-average rates for drivers with poor credit or with a DUI on their
record in some states. Therefore, it is advisable to shop around and compare
rates from different insurers before choosing Progressive.
A third drawback of Progressive car insurance is that it does not have many in-person services compared to some other insurers. For example, Progressive does not have many local offices or branches where you can walk in and get help with your policy or claim.
It also does not
offer roadside assistance as a standalone service; you have to add it to your
policy as an optional coverage. Therefore, if you prefer more personal
interaction or more convenience when dealing with your insurer, Progressive may
not be the best choice for you.
Customer
Opinion of Progressive Car Insurance
To get a sense of what customers think about
Progressive car insurance, we looked at some online reviews and ratings from
various sources. Here are some of the common themes we
found:
·
Many customers praised Progressive for its low
rates, discounts, and easy online process. They said they were able to save
money and get good coverage by switching to Progressive or renewing their
policies with them.
· Many customers also complimented Progressive for
its customer service and claims handling. They said they were satisfied with
the communication, responsiveness, and professionalism of the staff. They also
said they were happy with the speed and quality of the repairs.
· Some customers criticized Progressive for its high
rates, hidden fees, and rate increases. They said they were surprised by the
charges or changes in their premiums after buying or renewing their policies.
They also said they felt misled by the advertising or quotes from Progressive.
· Some customers also complained about Progressive’s
customer service and claims handling. They said they had difficulty reaching or
getting help from the representatives. They also said they had problems with
the delays, denials, or disputes over their claims.
Conclusion
Progressive is one of the largest and most
popular auto insurance companies in the U.S., offering a wide range of coverage
options and discounts for different types of vehicles and drivers. It has
competitive pricing and good customer service and claims handling for most
customers. However, it also has some drawbacks, such as varying prices
depending on how you buy a policy, higher rates for some drivers in some
states, and limited in-person services.
If you are looking for auto insurance from Progressive, it is advisable to compare quotes from different channels and insurers before making a decision. You should also check the reviews and ratings from other customers to get an idea of what to expect from Progressive car insurance.
