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Progressive Car Insurance Review
Progressive is one of the most comprehensive insurance providers around. If you have something that requires insurance, Progressive likely has a coverage option to fit your needs. Auto insurance is no different. The third-largest auto insurance provider in the nation by market share (11%), Progressive wrote over 27 million premiums in 2018 alone. Auto insurance shoppers looking for a provider will want to give Progressive a look.
With over 80 years of experience, there aren’t too many claims it hasn’t come across during its tenure. With that kind of track record, Progressive is a safe bet for anyone looking for an established name in the auto insurance industry.
Progressive offers standard auto insurance coverage options, including liability, comprehensive, collision, uninsured motorist, medical payments, and liability. Also, it offers other add-on options like rental car coverage, roadside assistance, and gap coverage.
In trying to determine just how much auto insurance coverage you need, it’s important to consider your exposure to risk. As an example, liability pays for injuries and damages to another person and their vehicle if you are at fault in an accident. You’ll want to have enough liability coverage to avoid paying out of pocket for an accident.
Deals, discounts, and add-ons
Progressive has many discounts that can be applied to your policy. A bundle discount is offered, up to 5%, when customers combine their Progressive auto insurance policy with another Progressive insurance policy. Progressive also offers a Snapshot discount, which saves drivers money by demonstrating safe driving habits. A good student discount is offered for students on your policy who maintain higher than a “B” average. There are a variety of discount options that can maximize your potential savings.
An add-on with Progressive is rideshare insurance. Although it’s not available in all states, it ensures that drivers are covered, in most instances, when transporting passengers through a rideshare service.
Progressive Overview: Financial Strength, Availability, and History
Having received an A- ranking from the Better Business Bureau, Progressive is regarded in relatively high esteem among those that evaluate it. From the customer side of things, however, there is the worrying fact that Progressive had to resolve 2,468 complaints in the last three years and nearly 1,000 in the previous year alone. While it’s impressive that it’s able to process and resolve issues, the ideal scenario would be that it wouldn’t have many complaints at all.
- In business since: 1937
- States served: All
- Standout features: Discounts (Snapshot; Multi-policy; Paperless); Financial Strength (AM Best: A+, S&P: AA, and Moody’s: Aa)
*All information accurate as of Jan. 30, 2020.
How We Evaluated The Best Car Insurance Companie
To find the best companies in the auto insurance field, we only considered insurers that met strict criteria on availability, financial strength, and market share. To compare these contenders, we assigned scores to these companies using data from industry leaders like J.D. Power and AM Best. To learn more about our scoring methodology, and our top picks, check out our review of the Best Car insurance Companies.
The Bottom Line
Progressive’s name and size alone are enough to attract new clientele to its existing list of auto insurance policyholders. With strong financial security, an extensive list of ways to save on premiums, and seemingly unending options for bundling insurance policies, those shopping for auto insurance will want to look at Progressive. While it’s true that some discounts aren’t available in certain states, it bears mentioning that with Progressive’s affordable rates and useful add-ons, policyholders can almost rest assured that they’re getting their money’s worth. If you want a company with strong financial security and don’t mind missing out on a few discounts here and there, Progressive may be right for you.
Progressive Car Insurance FAQ
Progressive’s auto insurance covers much of what you would expect to find with any provider. The pillars of its basic insurance offerings include liability, comprehensive, collision, uninsured motorist, and medical payments. Apart from these standard offerings, Progressive’s insurance includes optional add-ons, such as rental car reimbursement and gap insurance.