Progressive Insurance is a well-known name in the car insurance market. To some extent, this is thanks to its funny commercials and sponsorship of things such as the Cleveland Indians home field, Progressive Field.
There is much more to this company than just flashy marketing, though. They really do have pretty good auto insurance policies too. Just how good are the Progressive auto insurance reviews when put against other companies? Let’s find out!
About Progressive Auto Insurance
Progressive is definitely one of the better insurance options when you are looking for value, but it might not be the total best. Part of this is because of the discounts it offers. Not everyone, of course, is going to be eligible for these discounts, and those people will see rather high rates.
For others, Progressive uses a very detailed algorithm to determine rates, and every person will have a different rate than others. The discounts that you get are nice, of course, and Progressive does offer some unique discounts, such as discounts for paperless billing and discounts for signing a new policy before the old policy expires.
Moreover, Progressive also has a reputation for providing insurance policies for high-risk drivers that other insurance companies won’t insure…but, of course, you will be paying for that.
Progressive Insurance Coverage Options
- Bodily Injury Liability
- Property Damage Liability
- Uninsured/Underinsured Bodily Injury
- Uninsured/Underinsured Motorist Property Damage
- Medical Payments
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Custom Parts and Equipment Value
- Rideshare Coverage
- Deductible Savings Bank
Benefits of Progressive Insurance Policies
If you choose to go with a Progressive Insurance policy, there are some benefits that you will get over other insurance companies:
- Pet Coverage
As mentioned, Progressive offers coverage for pets that require medical care in any covered car accident.
- Progressive Snapshot
Progressive has a unique program called the Snapshot Program, which can save people hundreds of dollars a year on car insurance. What is it exactly?
Basically, the company sends the customer a device, which they place into their car. For a period of time, the device monitors your driving habits. Based on the data, such as how far you drive each day, how hard your stops are, and even the time of day most of your driving occurs, the company gives you discounts.
What Is Progressive Auto Insurance Good For?
Progressive Insurance is the third largest insurance company in the United States, and even though it holds this distinction, it is still a good idea to look closely at different Progressive auto insurance reviews to make sure that you know what you get with it. Here are some of them:
- For Teenage Drivers
Everyone knows that teenagers pay a lot more for car insurance than the average adult, but Progressive tends to have lower rates for teens when compared to other auto insurance companies.
Most companies drive up premiums an average of about 80% when a teen is added to the policy. With Progressive, however, it is only about 50%.
Keep in mind that Progressive is well known for offering a variety of discounts. These include good student discounts for teenagers, safe driver discounts, and a discount if you pay your premium every six months instead of once a month. If you have a home or other policy with Progressive, you can also get discounts.
- Pet Owners
If you have a pet in your car, and you have collision coverage with Progressive, the veterinary costs for your pet are covered by your auto insurance. This is great for anyone who travels with their pet, and there is no additional charge for this coverage.
What Are the Cons of Progressive Insurance?
All of the insurance companies out there have both pros and cons, and Progressive is no different. Here are some things to think about before buying a policy from them:
- Rental Car Reimbursement Is Not Available on All Policies
Depending on the policy you choose from Progressive, rental car reimbursement might not be available. For some reason, this is not a standard benefit offered.
- Low Customer Service Ratings
When it comes to customer service, Progressive falls into the average to low satisfaction category among its customers. According to the National Association of Insurance Commissioners, Progressive had a high number of consumer complaints to state regulators when compared to other similar auto insurance companies.
- No Green Vehicle Discounts
If you have an eco-friendly car and you think that you can get a discount from your auto insurance company, you can—not if you choose Progressive, though. As of 2019, there is no green vehicle discount offered by this company, which is a bit of a disappointment for the millions of people who own these cars.
What We Think of Progressive Insurance
All in all, Progressive Insurance is a decent option for people who are looking for auto insurance. This company is especially good for families who have teenage drivers, and for people who want to pay a little less than average.
Progressive is one of the more affordable options out there, and since it is also one of the best well-known insurance companies, you can have trust in that name. Also, we love the fact that Progressive offers protection for pets and provide so many discounts as well.
In addition to discounts like Auto Pay, Smart Driving, and Good Student, the company also offers discounts based on how many years a customer has used Progressive services. So, the longer you stay with Progressive, the more you will save.
What to Take Away from Progressive Insurance
Overall, Progressive is a good middle-of-the-road auto insurance option, and definitely one to look into if you are considering getting a new auto insurance policy. There are some concerns with customer service that we have noted, but the policies and options available are pretty great. It’s also more affordable than the other “big name” auto insurance companies.
Is Progressive Insurance the best auto policy out there? Nope, and this is pretty universal when looking at all Progressive auto insurance reviews. However, it is definitely an option to look into, and if you are on the market for car insurance, you should certainly get a quote.
Progressive offers highly personal quotes, so it’s impossible to say what you can expect. You should also consider the Snapshot program if you are a pretty safe driver—just keep in mind that your driving habits can also cause your rates to go up.