Progressive Insurance Review

Over the decades, Progressive has grown into one of the largest and most reputable insurance companies in the United States, offering not just auto insurance, but a wide range of coverage options, including home, motorcycle, RV, and even pet insurance. Headquartered in Mayfield Village, Ohio, the company has a well-established presence across the country and is a go-to option for millions of drivers and homeowners seeking innovative, flexible, and competitively priced insurance policies.

A pioneer in the insurance industry, Progressive became one of the first companies to offer policies to high-risk drivers, enabling many who would otherwise be uninsured to obtain essential coverage. Today, Progressive is best known for its tech-forward approach, using cutting-edge digital tools to simplify the insurance process and improve the customer experience. Notably, the company’s online tools like the “Name Your Price” feature and Snapshot program have revolutionized the way consumers shop for and manage their insurance policies.

In this article, 123 Review will cover everything from the key features that make Progressive stand out to the types of insurance policies they offer, their pricing, discounts, customer service, and how they compare to competitors. Whether you’re in the market for auto insurance, home coverage, or something more specialized, Progressive offers comprehensive solutions tailored to a wide variety of needs.

Key Features of Progressive Insurance

Progressive’s success is largely built on its innovation and customer-centric features that aim to simplify the insurance process and provide flexibility to policyholders. Here are some of the key features that set Progressive apart from its competitors:

• Snapshot Program: A standout feature in the world of auto insurance, Progressive’s Snapshot program allows drivers to potentially lower their premiums by allowing the company to track their driving habits. This usage-based insurance program tracks metrics like speed, braking, acceleration, and the times of day you drive. Safer drivers who exhibit low-risk behaviors can earn significant discounts. Snapshot is available through a plug-in device or via the Progressive mobile app, making it accessible and easy to use.
• Name Your Price Tool: A popular feature that highlights Progressive’s customer-first approach is the “Name Your Price” tool. This tool allows prospective policyholders to input their budget and receive insurance options that fit within that price range. Rather than trying to understand complex coverage details first, this tool simplifies the process by focusing on the customer’s budget, making it easier to compare policies that work within financial limits.
• Comprehensive Mobile App: The Progressive mobile app is among the most advanced in the insurance industry, offering a seamless way for customers to manage their policies, pay bills, file claims, and access their insurance cards. Through the app, users can also monitor their driving performance if enrolled in the Snapshot program, request roadside assistance, and even obtain real-time quotes for additional insurance needs.
• 24/7 Roadside Assistance: Progressive’s 24/7 roadside assistance is another key feature that adds peace of mind for drivers. Available to policyholders who purchase this optional coverage, roadside assistance includes services such as towing, jump-starts, flat tire changes, and fuel delivery. This service ensures that help is just a phone call away in the event of a breakdown or other roadside emergency.
• Online Quote Tool: Progressive makes it incredibly easy for consumers to get a quote through its online tool. This quick and intuitive feature allows prospective customers to get a personalized quote within minutes. Additionally, the tool provides side-by-side comparisons of different coverage options and prices, making it easier for customers to make an informed decision.
• Bundle and Save: Progressive encourages customers to bundle multiple types of insurance policies to maximize savings. Policyholders can combine auto, home, renters, or other insurance types, receiving a significant discount in the process. Bundling not only simplifies insurance management but also helps reduce premiums by as much as 12%.

Types of Insurance Offered by Progressive

Progressive offers a diverse range of insurance products designed to meet the various needs of individuals, families, and businesses. While the company is best known for auto insurance, it also provides coverage for homes, motorcycles, boats, RVs, and more.

Auto Insurance Options

As one of the largest providers of auto insurance in the U.S., Progressive offers a wide variety of coverage options for drivers. Whether you’re looking for basic liability insurance or more comprehensive coverage, Progressive provides a range of customizable plans to suit different needs:

• Liability Coverage: This is the most basic form of auto insurance and is required by law in most states. It covers damages and injuries that you cause to other people or their property in an accident. Progressive offers both bodily injury and property damage liability coverage.
• Comprehensive Coverage: Comprehensive insurance helps pay for damage to your vehicle caused by events other than collisions, such as theft, vandalism, weather damage, or hitting an animal. This is particularly useful for drivers looking for added protection beyond basic coverage.
• Collision Coverage: This type of insurance covers the cost of repairs or replacement if your car is damaged in a collision with another vehicle or object, regardless of fault. It’s often bundled with comprehensive coverage for more complete protection.
• Uninsured/Underinsured Motorist Coverage: In the event of an accident caused by a driver who does not have adequate insurance, uninsured and underinsured motorist coverage helps pay for your medical expenses and car repairs.
• Medical Payments (MedPay) and Personal Injury Protection (PIP): MedPay covers medical expenses for you and your passengers after an accident, regardless of fault. PIP, which is available in no-fault states, also covers medical expenses but includes additional benefits such as lost wages and funeral costs.
• Rideshare Insurance: For drivers working with rideshare services like Uber or Lyft, Progressive offers rideshare insurance that covers gaps not protected by the rideshare company’s policy. This ensures that drivers have full coverage while transporting passengers or when waiting for ride requests.

Home Insurance Details

Though Progressive’s home insurance policies are often underwritten by third-party partners, they still offer robust coverage options for homeowners seeking to protect their property and belongings. Home insurance from Progressive typically includes:

• Dwelling Coverage: This pays for the repair or rebuilding of your home if it’s damaged or destroyed by a covered event, such as fire, windstorms, hail, or vandalism.
• Personal Property Coverage: This coverage protects your personal belongings—such as furniture, electronics, and clothing—against theft, fire, or other covered damages, both inside and outside of your home.
• Liability Coverage: Liability insurance protects homeowners from legal and medical expenses if someone is injured on their property or if they cause damage to someone else’s property.
• Additional Living Expenses: If your home becomes uninhabitable due to a covered loss, Progressive will cover the cost of temporary living arrangements, such as hotel stays or rentals, while repairs are being made.
• Flood and Earthquake Coverage: Although not included in standard home insurance policies, Progressive offers optional coverage for flood and earthquake damage, which can be especially important for homeowners in high-risk areas.

Additional Coverage Options

Progressive offers a variety of additional insurance products to ensure that customers can get the coverage they need in one place. These include:

• Motorcycle Insurance: For motorcycle owners, Progressive provides comprehensive coverage options, including collision, comprehensive, and liability insurance. Optional coverage includes accessories coverage and protection for custom parts.
• Boat Insurance: Progressive’s boat insurance protects a variety of watercraft, including motorboats, sailboats, and personal watercraft. Coverage includes liability, physical damage, medical payments, and optional coverage for fishing equipment or on-water towing.
• RV Insurance: Whether you own a motorhome or travel trailer, Progressive’s RV insurance covers both liability and physical damage, with optional coverage for personal belongings, roadside assistance, and full-timer liability.
• Commercial Auto Insurance: Progressive provides commercial auto insurance for businesses with vehicles, offering comprehensive and collision coverage, as well as liability and medical payment options for business use.
• Pet Insurance: Pet owners can get pet insurance from Progressive, covering veterinary expenses related to accidents, illnesses, and routine care for cats and dogs. The company offers flexible plans to meet the specific needs of pet owners.
• Umbrella Insurance: Umbrella insurance provides additional liability protection beyond the limits of your auto, home, or other primary insurance policies. This coverage is ideal for those who want extra protection in case of major lawsuits or claims.

Discounts and Savings with Progressive

One of the most attractive aspects of Progressive is the range of discounts available to help policyholders save money. The company is known for its flexibility in pricing and the variety of ways customers can lower their premiums.

Safe Driver Discount

The Safe Driver Discount is available through Progressive’s Snapshot program, which uses telematics to track your driving behavior. By monitoring metrics like speed, braking, and distance driven, Snapshot rewards drivers with safe driving habits by reducing their premiums. Drivers who show consistently safe behavior can save up to 30% on their auto insurance.

Multi-Policy Discount

Progressive encourages customers to bundle multiple insurance policies, offering a multi-policy discount that can save you up to 12% on premiums. Common bundles include auto and home insurance, but Progressive also offers bundling options for auto, motorcycle, boat, or RV insurance.

Online Quote Discount

For customers who prefer a digital experience, Progressive offers an online quote discount. By using Progressive’s online tools to obtain a quote and purchase a policy, customers can receive an additional discount. This is especially beneficial for those who value convenience and prefer managing their insurance online.

Other Discounts

Progressive provides numerous other discounts, such as:

• Pay in Full Discount: Pay your premium in full upfront and receive a discount for avoiding monthly installments.
• Good Student Discount: Full-time students with a good academic record may be eligible for reduced rates.
• Homeowner Discount: Even if you’re insuring your car, being a homeowner can qualify you for additional savings.
• Continuous Insurance Discount: Policyholders with prior insurance and no gaps in coverage can qualify for a discount, rewarding long-term, responsible insurance management.

Customer Service Experience with Progressive

Progressive has built a solid reputation for providing responsive, efficient, and accessible customer service through various channels. Here’s an in-depth look at Progressive’s customer service experience:

Claims Process

Progressive is known for its hassle-free claims process, which allows policyholders to file a claim through their mobile app, website, or by phone. The company prides itself on a fast and efficient claims process, with many customers reporting that their claims are resolved quickly and without much difficulty. Additionally, Progressive offers a Concierge Claims Service in select areas, which helps streamline the repair process by managing vehicle repairs from start to finish. For auto insurance customers, Progressive’s network of repair shops can speed up the process, as the company works directly with the repair facility to manage repairs and payments. Many customers appreciate the ease of dropping off their vehicle at a Progressive-approved facility and picking it up once repairs are complete.

Customer Support Channels

Progressive offers a variety of customer support options to meet the needs of its policyholders:

• Phone Support: Available 24/7 for both claims and general customer service inquiries, ensuring help is available at all times.
• Live Chat: Progressive’s website features a live chat option for those who prefer instant digital communication.
• Mobile App: The Progressive mobile app provides easy access to policy management, claims filing, and customer service features on the go.
• Help Center: Progressive’s online help center provides an extensive library of FAQs and articles to help customers find answers to common questions.

Customer Satisfaction Ratings

Progressive’s customer satisfaction ratings are generally positive, particularly in the areas of pricing and claims handling. According to J.D. Power’s Auto Insurance Study, Progressive consistently ranks above average in terms of customer satisfaction. However, ratings can vary depending on the type of insurance product. For example, Progressive’s auto insurance often scores higher than its home insurance, as the latter is sometimes underwritten by third-party providers, leading to variations in service quality.

Advantages of Choosing Progressive Insurance

• Innovative Tools: Progressive’s Snapshot program and Name Your Price tool offer customers unique ways to save money and customize their coverage. These tools allow for more control over insurance costs based on individual driving habits and financial preferences.
• Affordable Options: For drivers with a good record, Progressive offers competitive pricing, especially when combined with available discounts. The variety of discounts makes it easy for policyholders to find additional savings.
• Wide Range of Products: Progressive’s extensive product lineup, which includes auto, home, motorcycle, and pet insurance, allows customers to manage all their insurance needs with one provider. The ability to bundle policies also leads to significant savings.
• Strong Digital Experience: Progressive’s robust online presence, from its quote tools to its mobile app, provides a convenient and seamless experience for tech-savvy consumers who prefer managing their insurance digitally.

Disadvantages of Progressive Insurance

• Higher Rates for High-Risk Drivers: While Progressive is known for being a provider that offers policies to high-risk drivers, the premiums can be significantly higher for individuals with accidents or violations on their driving record.
• Variable Home Insurance Quality: Since Progressive’s home insurance policies are often underwritten by third-party insurers, the quality of coverage and service can vary. This has led to mixed reviews from customers, particularly regarding the claims process for home insurance.

Comparison with Competitors

Progressive vs. Geico

Both Geico and Progressive are top players in the auto insurance industry, known for their competitive rates and strong online tools. Geico is frequently praised for having slightly lower premiums than Progressive, especially for drivers with clean records. However, Progressive’s Snapshot program provides an edge for those who drive safely and want to potentially lower their rates through usage-based insurance. Additionally, Progressive’s Name Your Price tool offers a more flexible approach to finding the right coverage at a set price.

Progressive vs. State Farm

State Farm offers a more traditional customer service model with a vast network of local agents, which some consumers prefer. Progressive, on the other hand, focuses heavily on digital tools and self-service options, which appeal to younger, tech-savvy drivers. While Progressive offers more flexibility in pricing, State Farm’s personalized service and agent network provide a hands-on experience that some customers may prefer.

Progressive vs. Allstate

Allstate is known for its high-quality customer service and wide range of coverage options, including add-ons like accident forgiveness and new car replacement. However, Allstate’s premiums tend to be higher compared to Progressive’s, especially for younger drivers. Progressive’s extensive digital features and pricing flexibility often make it more appealing for consumers looking for lower rates and innovative tools to manage their policies.

Frequently Asked Questions about Progressive Insurance

• What is Progressive’s Snapshot program? The Snapshot program is a usage-based insurance option that monitors your driving behavior using telematics to offer potential discounts for safe driving. Factors like speed, hard braking, and the time of day you drive are taken into consideration to adjust your premium.
• Does Progressive offer discounts for bundling? Yes, Progressive offers discounts for bundling multiple insurance policies, such as combining auto and home insurance. Bundling can result in savings of up to 12% on your premiums.
• Can I manage my Progressive policies online? Yes, Progressive has a comprehensive online portal and mobile app where customers can manage their policies, pay bills, file claims, and access customer support.
• How long does it take to get a quote from Progressive? Progressive’s online quote tool is quick and easy to use, providing you with a personalized quote in just a few minutes. You can also compare different coverage options and adjust the price according to your budget using the Name Your Price tool.
• Is Progressive good for high-risk drivers? Progressive is one of the few major insurers that specialize in offering coverage to high-risk drivers. However, premiums may be higher for those with accidents, DUIs, or other violations on their record. Progressive’s wide range of coverage options and discounts can help offset the cost for high-risk drivers.