Progressive Insurance for: Home, Cars and Rentals
Progressive Insurance Company began selling auto insurance in 1937. Today, Progressive is the third largest insurer in the US and employs more than 41,000 people.
Progressive Insurance offers a complete portfolio of individual and business insurance coverage, along with financial products, including home mortgages and personal loans. The provider makes it easy for customers to request an insurance quote online, file a claim, and shop for prices using Progressive’s website or mobile app. If you’re in the insurance market and like to control the quoting process, check out Progressive.
Progressive Auto Insurance
Types of coverage
Progressive offers a variety of auto insurance policies and discounts, and it’s easy to request quotes from Progressive online. Typical Progressive coverages include:
- Bodily injury and property damage liability : If you’re at fault in an accident, your liability coverage will help pay for the other driver’s medical bills and repair costs. State laws require motorists to carry minimum amounts of liability coverage.
- Comprehensive: State law doesn’t require drivers to carry comprehensive insurance, but if you’re financing a vehicle, the lender will likely require it. Comprehensive auto insurance covers non-collision damage or loss. For example, if your car is stolen by a thief or damaged in a storm, your comprehensive insurance will pay to repair or replace it.
- Collision: Like comprehensive insurance, states do not require the purchase of collision insurance, but lenders do require it for financed vehicles. Collision insurance pays to repair or replace your car after a collision.
- Uninsured or Underinsured Motorists Bodily Injury and Property Damage: If an uninsured or underinsured driver causes an accident, this type of coverage will help pay for your medical bills and repair costs. Some states require you to carry uninsured or underinsured motorist insurance.
- Medical payments: Medical payments coverage, also called personal injury protection, pays for medical or funeral expenses for you and your passengers after a collision. Some states require drivers to have PIP coverage.
Progressive also offers optional coverages that, while not required, provide additional protection for drivers who need them:
- Custom parts and equipment value: Car owners often add custom equipment, like stereos or navigation systems, that standard auto insurance doesn’t cover. But with coverage for the value of custom parts and equipment, Progressive will pay up to $5,000 to repair or replace custom parts after a covered accident.
- Deductible Savings Bank : For each policy period that you remain claim-free, Progressive will reduce your collision deductible and global deductible by $50, but only if you choose the Deductible Savings Bank option.
- Lease or loan payment: Insurance companies only pay the actual cash value of a vehicle when it is involved in an accident. When a leased or financed car is totaled, the owner may owe the leasing company or lender more money than the claim will cover. Progressive’s lease/loan payment coverage helps bridge the gap between what the insurance company pays and the amount you still owe on the lease or loan.
- Rental Car Reimbursement: If your car needs repairs after a covered accident, Progressive’s rental car reimbursement coverage can help offset the cost of renting a vehicle.
- Rideshare: Rideshare companies offer some insurance coverage for drivers and their vehicles. But the coverage they offer only covers you and your vehicle during trips requested by a customer. Progressive’s rideshare coverage fills the gap, extending your personal auto insurance coverage to cover you and your vehicle while connected to your rideshare app, but not carrying a passenger.
- Roadside Assistance: When you have a flat tire, need a tow, or are locked out of your car, Progressive Roadside Assistance can come to the rescue.
discounts
Progressive offers several ways to lower your car insurance premium, including the following discounts:
- Automatic payment
- continuous insurance
- distance student
- Good student
- Owner
- multi-car
- Multi-policy
- Online dating
- paperless documents
- pay-in-full
- sign online
- teen driver
The Progressive Snapshot program is the insurer’s newest discount program that takes advantage of technology to help you save even more money. All you need to do is download the Snapshot app to your smartphone or install a device in your vehicle. Using GPS and sensors, the app or device tracks your driving habits and rewards safe driving behavior with lower premiums.
Progressive home insurance
Most insurance companies offer a discount when multiple policies are purchased. When shopping for auto insurance, also get a quote for a homeowners or renters policy to see how much you can save. Please note that while Progressive does offer homeowners insurance, these policies are underwritten by third-party claims service providers.
Types of coverage
Progressive’s standard home insurance policies include:
- Homeowners coverage: If your home is damaged, homeowners coverage can help pay for the costs of rebuilding or repairing it.
- Loss of Use Coverage: Homeowners sometimes need to move out of their homes after a covered calamity. Loss of use coverage can help pay for your hotel and meal expenses while your home is being rebuilt.
- Medical Payments Coverage: If someone is injured inside your home or yard, this type of coverage can help pay for medical expenses.
- Other Structures Coverage: Dwelling coverage only pays to repair or replace your home. However, the Other Structures coverage protects detached structures such as garages, fences, and detached sheds.
- Personal Liability Coverage: If someone sues you for an injury sustained on your property, personal liability coverage can help pay your legal costs.
- Personal Possessions Coverage: Personal possessions coverage can help pay for replacement items like furniture and clothing. Although Progressive sets limits on certain types of property, you can add additional coverage for expensive items like art, jewelry, and musical instruments.
Progressive members can also choose to purchase optional coverages, including:
- Personal Injury Coverage: Your personal injury coverage may offset your legal expenses for specific circumstances such as wrongful eviction, false arrest, or slander and defamation.
- Backup Water Coverage: Homeowners coverage doesn’t pay for sump pump or sewer damage, but Progressive’s optional water coverage does.
discounts
Progressive has an online tool, HomeQuote Explorer, that allows you to compare rates and coverage from its affiliates and third-party companies. When considering your Progressive quote, don’t forget to ask about discounts. Qualifying homeowners can apply for these discounts:
- Alarm system and security device
- auto and home insurance
- Documents by email
- pay-in-full
- building a new house
- Buying a new house
- Appointment in advance
- progressive rental insurance
Progressive rental insurance
Like Progressive’s home insurance policies, renters insurance is provided by third-party providers who take over once the policy goes into effect. However, this does not affect the coverage and multi-policy discounts offered to Progressive customers.
Types of coverage
Rental insurance protects apartment dwellers from damage to their belongings. Many landlords require proof of rental insurance before you move in. Progressive’s standard rental insurance policies include:
- Loss of Use Coverage: This pays your temporary living expenses if you are displaced from your home by a covered peril.
- Medical Payments Coverage: This helps pay for medical expenses if someone is injured in your rental home.
- Personal Liability Coverage: Covers your legal costs if someone sues you after you are injured at home.
- Personal Property Coverage: This pays to replace personal items like furniture and clothing, after a covered calamity.
discounts
Progressive offers renters the same optional coverages as homeowners.
Progressive offers rental policyholders several discounts, including:
- Documents by email
- Multi-policy
- pay-in-full
- Appointment in advance
- Secure or gated community
- Single deductible benefit
Reasons why the Progressive is a great option
Progressive car insurance is a great choice for good drivers. Progressive’s Snapshot program tracks your driving habits and offers discounts for good drivers. Progressive’s website features a “Name your Price” tool, which matches available coverages to the price you want to pay for auto insurance.
Another great coverage option from Progressive is the Accident Forgiveness program. If you qualify, Progressive will not increase your rate after an accident, even if the accident was your fault. These benefits may vary by state, but can help protect your rate after an at-fault accident.
Although Progressive’s standard home and renters policies offer the most common coverages, its optional coverages are not enough. Other providers offer more comprehensive options, including replacement cost and repair cost.
The additional policies offered by Progressive
In addition to auto, home, and renters insurance, Progressive also sells the following types of insurance:
- Boat
- classic car
- Condominium
- golf cart
- homeshare
- Of life
- Movil House
- Motorcycle
- Trailer
- Snowmobile
Frequent questions
What do I need to get an appointment from Progressive?
To get a quote from Progressive, enter your zip code on the Progressive website and answer a few questions about your driving history and your vehicle.
How do I file a claim with Progressive?
Progressive claims are easy to file. You can sign in to your Progressive account to file a claim, file a claim through the Progressive mobile app, or by calling Progressive’s toll-free number.
