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Progressive Auto Insurance
In Our Opinion:
As a household name, Progressive offers auto, motorcycle, and recreational vehicle insurance in all 50 states. The company sells unique coverage options in addition to its standard suite of products, but price inconsistencies and negative customer service reviews may deter drivers. We’ve named Progressive “Best for High-Risk Drivers” because of its low-cost plans for drivers with DUIs or DWIs on record.
Industry Standing
95
Availability
100
Coverage
95
Affordability
90
Customer Service
90
Online Experience
100
Pros
Online Experience
Usage-based plans available
Safe driving reward discounts
Teen/student discounts
Special coverage options (roadside assistance, rideshare coverage, etc.)
Cons
Rate increases/higher premiums
Average customer service ratings
100
Progressive is one of the most well-known auto insurance companies in the U.S. In this article, we discuss Progressive insurance reviews, coverage, costs, and more. Auto insurance is an absolute necessity for every driver, regardless of how confident you are in your driving skills. If you’re shopping for insurance, then you’ll have many major players to consider. Read on to learn about highlights as well as concerns that customers have shared in Progressive insurance reviews this year and remember to always get multiple quotes from the best car insurance companies in your area before making a decision. About ProgressiveSince opening its doors in 1937, Progressive has become one of the biggest car insurance companies in the U.S.. The company wrote more than $40 billion in insurance premiums in 2020, according to the National Associations of Insurance Commissioners (NAIC). Progressive earned an “excellent” A financial strength rating from AM Best, indicating a strong ability to pay out insurance claims. and the company received an A+ rating from the Better Business Bureau (BBB). The company has been an innovativeforce in the insurance industry. In 1997, Progressive auto insurance was the first insurance product that was available for purchase over the internet. It was also the first insurer to offer usage-based insurance, beginning in 2008. Progressive also offers other insurance products such as life insurance, motorcycle insurance, homeowners insurance and renters insurance. Progressive Auto Insurance Coverage OptionsAccording to data from the Insurance Information Institute, 77 percent of drivers purchase comprehensive coverage and liability insurance, and 73 percent of drivers also purchase collision insurance. There are many more types of auto insurance plans, and Progressive auto insurance policies have extra coverage options drivers may not easily find elsewhere. Progressive car insurance plans include:
Progressive also offers the following car insurance coverage add-ons:
Progressive Insurance CostAccording to our rate estimates, Progressive is one of the most affordable providers overall. Good drivers can find full coverage rates around $1,397 annually, which is cheaper than the national average of $1,732. Our rate estimates apply to full coverage insurance for 35-year-old drivers with good driving records and credit scores. However, we also compared rate estimates for other driving profiles and found that Progressive is affordable for young drivers, people with poor credit, and drivers with a recent accident or DUI. Here’s how Progressive compares to a variety of popular insurance providers in 2021:
Of course, what you pay depends on where you live to a large degree. Drivers in some areas can shell out hundreds of dollars more than drivers in other areas just because of location. Here’s how Progressive compares to the average rate for good drivers in each state and Washington, D.C.:
Progressive Insurance DiscountsAdding a teen driver to your existing plan can drive costs up significantly, but putting them on their own plan may increase their rates by 365 percent, so you might consider adding them on anyway. With Progressive, households can add teen and student drivers to their plans without too much penalty. College students with good grades are entitled to generous discounts, which makes Progressive a nice option for younger drivers. Here are some of the discounts Progressive offers to help you save money:
Policyholders can also bundle vehicle coverage with a renters or homeowners insurance policy and save an additional five percent on their auto insurance. Additionally, Progressive also offers two major savings programs:
While the Snapshot program seems like an obvious money-saver for confident drivers, Progressive customer reviews have said on the Better Business Bureau (BBB) website that the tracking device used to monitor driving habits is very sensitive and perhaps a bit unfair. Some customers have also reported increased insurance rates when using the tracker. Overall, your insurance premium will depend largely on your place of residence, age, gender, credit score, vehicle, and driving record. If price is your main concern, lower options are likely out there. Safe driving can earn you a discount on Progressive auto insurance. Track your driving on Progressive’s Snapshot mobile app. Progressive Auto Insurance QuotesProgressive offers car insurance quotes online through multiple quote engines. In our experience, the quote process takes no more than five minutes and gives multiple pricing and plan options with deductible estimates. You can also use the Name Your Price® tool to enter your budget and get plans based on how much you are willing to pay. First, you will need to provide your basic information so that Progressive can find coverage that suits you. Then, you may use the tool to enter your desired premium amount. Progressive will provide plans within your price range. Because Progressive markets itself as more affordable than competitors, its website offers a tool to compare rates with other car insurance providers. Enter your information as you normally would for a free quote and see Progressive’s plans and rates. Then, click on the compare rates tool to get a listing of similar plans and prices from other insurers. Progressive Claims Process & Customer ServiceCustomers have two options when filing a Progressive auto insurance claim: get their vehicle repaired or receive a payment for the estimated cost of the repairs. Either way, customers can easily make a claim through Progressive’s mobile app, online, or by calling the number for the claims department. Once the claim is made, an inspector will come to evaluate the damage and write up an estimate for the cost of repairs. You will receive payment directly or your claims representative will schedule repairs through a network repair facility. You will be responsible for your predetermined deductible. Claiming a total loss, however, is a different process. If repairs would cost more than the value of your vehicle, then an inspector will determine your vehicle is a total loss. This process requires more paperwork, but you will be paid for the value of your vehicle. Though the claims process is an easy one, Progressive auto insurance reviews are lackluster when it comes to customer service and claims settlements. In the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, Progressive auto insurance reviews rank it well below competitors like USAA, GEICO, Nationwide, and Farmers. Customers have reported unfair claims denial and rated their claim representative’s servicing as just average. However, Progressive has an A+ financial strength rating from AM Best, indicating the company has superior financial strength to meet claims obligations. Progressive Mobile AppTechnology has grown in importance as many consumers manage a greater number of accounts through apps and online portals. Progressive’s mobile app is a one-stop-shop for making claims, checking your auto insurance policy, and getting assistance in emergency situations. With the app, you can:
Additional highlights include the ability to use Google or Apple Pay and offline viewing of your car insurance ID card. The app is secure and encrypts all personal information for user safety. Progressive Insurance ReviewsProgressive’s online platform makes it easy to enroll in auto insurance, and the marketed discounts provide a strong incentive to purchase coverage. We like Progressive’s online experience and coverage options, but sometimes customers may feel mislead on rates and what is actually covered. Here are some Progressive insurance reviews from real-life customers. Positive Progressive Insurance ReviewsIn many of the positive Progressive insurance reviews we saw, a common theme was smooth, efficient customer service. “Online insurance. You can only expect so much. This is a business working to a high level of efficiency. I got what I expected – fast and easily update-able policies, lots of notifications, low prices, and great service.” – Benjamin B. via Trustpilot “[Progressive’s] robot customer service rep was spot-on, no repeating myself. Transfer to an actual person was quick and smooth.” – Anonymous via ResellerRatings Negative Progressive Insurance ReviewsOn the other hand, many of the negative Progressive insurance reviews we read complained about the company’s high prices. “Progressive has a lot of publicity, but their auto insurance prices are high. I was with them for a year, because it has good accessibility in their online platforms. When I applied to other insurers, I realized [Progressive’s] costs were high. Now, I have insurance with a better offer, and I pay less than half.” – Gabriel R. via Trustpilot Customers shopping for car insurance should beware of rate increases and quote inaccuracies, as Progressive car insurance reviews mention instances of rate changes. Progressive Insurance ComplaintsOverall, Progressive receives an average number of complaints, according to the National Association of Insurance Commissioners (NAIC). The NAIC gives Progressive a company complaint score of 1.1. A score of 1 indicates an average number of complaints, and scores above 1 represent higher-than-average complaint volume. A score of 1.1 suggests Progressive is only slightly above average when it comes to the volume of complaints. Conclusion: Best for High-Risk DriversBased on our research and Progressive insurance reviews, we found Progressive offers the best coverage for riskier drivers, including teens and students, which is a major benefit for some households. Easy enrollment and account management are possible with an excellent online experience. However, many customers have only average claims experiences and therefore may not receive the coverage they expected. For a better overall experience, you might consider GEICO car insurance (Best Overall) or State Farm car insurance (Best for Student Drivers), which we rate at 96 percent and 95 percent, respectively. However, we give Progressive a 95 percent overall rating as well. How do you cancel Progressive car insurance?There is only one way to cancel Progressive car insurance and unfortunately, you can’t do it online. To cancel your Progressive coverage, take the following steps: 1. Call the Progressive customer service phone number at 1-866-416-2003. How long does a Progressive claim take?Progressive says that claims usually take seven to 14 days to process. However, actual repairs to your vehicle may take much longer than that, depending on the damage and the repair shop. Original article: Progressive Insurance Reviews, Coverage, & More (2021) Progressive Insurance Reviews, Coverage, & More (2021) published first on https://decalsgraphicstore.weebly.com/ via Tumblr Progressive Insurance Reviews, Coverage, & More (2021)
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