THE GOOD

Comprehensive driver discounts:

Progressive auto insurance offers some of the most comprehensive driver discounts in the industry. Discounts can be an excellent resource to help you reduce your auto insurance premium while still maintaining quality coverage. Progressive auto insurance includes common discounts like good driver and multiple policy, as well as accident forgiveness, military, loyalty, and several others.

Strong claims management features:

With a 24/7 claims center and the ability to file a claim with an agent, online, or on your mobile phone, Progressive allows you to manage your claims in the manner most convenient for your circumstances. Featured prominently on the Progressive car insurance website is a link to the claims center which allows customers to log in and report and track a claim. For those unfortunately instances where a claim is necessary, having access to so many filing options is a great resource.

Pet injury coverage:

In addition to the standard liability and bodily injury coverages aimed at protecting family and other loved ones, Progressive auto insurance also offers pet injury coverage. With pet injury coverage, you can receive up to $1,000 to treat injuries sustained by your cat or dog in an auto accident. The most amazing aspect of pet injury coverage is that it is included in your collision coverage, and comes at no extra charge in most states. For those animal lovers looking to protect their pets, Progressive auto insurance is a solid choice.

Diverse vehicle discounts:

Receiving discounts related to your vehicle is another great way to reduce your premium and lower your expenses. With Progressive car insurance, you can receive vehicle deductions if your car has an anti-theft device or built-in safety features like anti-lock brakes, or if you drive an electric car. When it comes to identifying driver and vehicle discounts, you will be hard pressed to find another auto insurance company offering more than Progressive.

Snapshot device rewards good drivers:

Snapshot is a program offered by Progressive car insurance that monitors your driving and offers discounts based on your driving habits. Progressive will send you a small device that plugs into your car and records how you drive. Based upon your driving habits, you can be eligible for safe driver, low mileage, and other discounts. Progressive auto insurance even makes it easy by allowing those discounts to kick in automatically. Snapshot is free and is a great way to monitor your driving and get access to a few extra discounts.

THE BAD

No new car replacement or GAP insurance:

For most of us, buying a new car will mean getting some form of auto loan. In those unfortunate cases when a new car is badly damaged, oftentimes the insurance will not cover the cost of the loan, leaving you in a tough financial spot. GAP insurance, which covers the difference between the actual value of a totaled car and the balance remaining on your auto loan, and new car replacement, which replaces a totaled car with a brand new car, are both not offered by Progressive car insurance. If these insurance coverages are particularly important to you, Progressive auto insurance may not be the best fit.

Mixed mobile app reviews:

As mobile devices have become more prominent in popular culture, Progressive auto insurance and other top companies have developed mobile applications to assist policyholders with common policy management tasks. The mobile application offered by Progressive includes the ability to file a claim, access your insurance cards, get an auto insurance quote, and more. However, the user reviews for both the Apple- and Android-based applications are mixed with many people voicing negative opinions. A mobile app may not be the most important factor in the auto insurance purchase, but for those that are constantly on the go, being able to do more from your phone is a nice bonus.

THE DETAILS

Financial Strength
A.M. Best FSR Rating A+
A.M. Best ICR Rating aa
Moody's Rating Aa2
Standard & Poor's Rating AA

FEATURES

Title
  • Accident Forgiveness Your rates do not automatically increase after an accident.

  • Defensive Driver Discount You can get a discounted rate if you complete a defensive driving course.

  • Discount Finder The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.

  • Driving Habits Discount You can get a discounted rate if you place a device in your car that measures your driving habits.

  • Good Driver Discount You can get a discount for having a clean driving record.

  • Good Student Discount Students that maintain a good GPA can get a policy discount.

  • Low Mileage Discount You can get a discount for driving low mileage each year.

  • Loyalty Discount You can get a discount if you remain with the company over an extended period of time.

  • Military Discount You can get a discount if you are a member of the military.

  • Multiple Policy Discount You can get a discount for having multiple insurance policies with the same company.

  • Multiple Vehicle Discount You can get a discount if you insure multiple vehicles.

  • Prepay Discount You can get a discount if you pay your premiums in advance.

  • Family Discount Direct family members of current policy holders get a low rate.

  • Organization Discount You can get a discount to if you are affiliated with certain organizations or partner companies.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Terms You have flexible payment terms over different periods of time.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Bodily Injury Liability You can get coverage against bodily injuries to others in an accident that is your fault.

  • Personal Injury Protection You can get coverage for injuries sustained by the driver or any passengers, often including medical bills and lost wages.

  • Pet Injury Coverage You can get coverage for injuries sustained by pets in an auto accident.

  • Property Damage Liability You can get coverage against property damage to another party in an accident that is your fault.

  • Rental Car Coverage You can get coverage for your rental car if it is damaged or stolen.

  • Separate Windshield and Glass You can get stand-alone coverage for damaged windshields or glass.

  • Stacked Uninsured Motorist Coverage You can get coverage that allows you to combine or ''stack'' the individual limits of coverage on multiple insured vehicles in the same household.

  • Uninsured Motorist Property Damage Coverage You can get coverage that protects against property damage caused by an uninsured or underinsured motorist.

  • Add a Driver You can add a new driver to your insurance policy.

  • Add a Vehicle You can add a vehicle to your insurance policy.

  • Billing Status You can check billing status and payment information.

  • Dashboard You can manage and change policy details through an online service center.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Replace Vehicle You can replace or change a vehicle covered by your insurance policy.

  • Collision You can get coverage against any damage resulting from a collision.

  • Comprehensive You can get coverage against any non-collision vehicle damage including fire, theft, or vandalism.

  • Interior Vehicle Coverage You can get coverage of personal belongings inside of the car including sound systems, CDs, and DVDs.

  • GAP Insurance You can get coverage that pays the difference between the actual value of a totaled car and the balance remaining on an auto loan.

  • Mechanical Breakdown Coverage You can get coverage that includes all mechanical repair costs beyond routine maintenance.

  • New Car Replacement You can get coverage that will replace a totaled car with a brand-new version if it is less than 1 year old.

  • Medical Payments You can get coverage for a variety of accident-related medical bills.

  • Rental Car Reimbursement You can get reimbursed for the cost of a rental car following a claim.

  • Roadside Assistance You can get roadside assistance for flat tires or other mechanical problems.

  • Towing and Labor The cost of towing and the labor associated with getting your car back on the road is covered.

  • 24/7 Claims Center A claims center can be reached 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • No Repair Facility Restrictions You can have repairs done at the facility of your choice.

  • Online Claim Filing You can file a claim online 24/7.

  • Repair Facility Recommendations The company provides a network of recommended repair facilities.

  • Telephone Claim Filing You can file a claim via telephone.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a car insurance quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Accident Guide A mobile app that assists with data collection, emergency services, or tips in the event of an accident is available.

  • Android App You can get an Android-specific app.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • Email/Print ID Cards You can email or print digital insurance cards.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • Get a Quote You can get a rate quote through a mobile app.

  • GPS Locator The mobile app has a built-in GPS locator.

  • iPhone App You can get an iPhone-specific app.

  • Mobile Website A mobile-specific website is available.

  • Tablet A tablet-based app is available.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The mobile app has a combined 3.5 stars or greater for their iPhone and Android apps.

  • Email/Ticket The company has an email or ticket system dedicated to support.

  • Live Chat The company offers live chat support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • Blog A blog with relevant insurance information is available.

  • FAQs A list of answers to frequently asked questions is available.

  • Glossary A glossary of common industry terms is available.

  • Video Tutorials Video tutorials are available.

  • Forum The company provides access to an interactive forum where users can post questions and answers.

  • Knowledge Base A knowledge base of detailed help articles is available.

  • Anti-Theft Device Discount A discount is offered if vehicles are equipped with an anti-theft device.

  • Electric Vehicle Discount A discount is offered for electric vehicles.

  • Vehicle Equipment Discount A discount is offered if vehicles have certain safety or theft-protection features.

Comparable


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