Progressive Auto Insurance Review 2020
- Financial Strength A+
- BBB Rating B-
- Coverages Basic
- Discounts 5/5
- User Ratings Consumer Affairs 1.5 stars
- Pricing $1,373
- Availability All States
- Support 24/7 support
- Flexibility Policy customization possible
About the Company
You are probably here because you’re wondering if Progressive is the right choice for you. Worry not. We did the research, read the Progressive auto insurance reviews and we’ll tell you everything you need to know.
Progressive Insurance is known to be the first car insurance company that started offering perks like premium payable through installments and drive-in claims. It also became the first such company to launch a website with all relevant information, and within two years, customers could buy an insurance policy through the website. These features were considered groundbreaking at that point, and other companies followed.
Progressive is still best-known for its auto insurance, even though it offers a wide range of services. It is known as the third-largest car insurance provider in the country. Aside from auto insurance, Progressive offers policies for power sports equipment, boats, motorcycles, and business vehicles.
How we Reviewed
Here is what we did to review the cost and contents of Progressive auto insurance quotes.
We collected quotes for age groups 25, 40, 55 in the states of NY, NJ, CL, TX, MI, for a Honda Accord 2015 and some conditions mentioned here in this table:
|Car type||Honda accord 2015||Honda accord 2015||Honda accord 2015|
|States||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI|
|Condition 1||Full and minimum coverage rate||Full and minimum coverage rate||Full and minimum coverage rate|
|Condition 2||Pre and post-accident rate||Pre and post-accident rate||Pre and post-accident rate|
|Condition 3||Excellent and poor credit score rate||Excellent and poor credit score rate||Excellent and poor credit score rate|
Where is it Available?
Progressive Auto Insurance covers all states of America. You can easily find an agent in areas near you.
Types of Insurance Covered and Missing Coverages
You can buy customizable packages from Progressive. They offer standard coverage, including comprehensive and collision, along with other perks.
Here are some of the main types of insurance covered:
- Comprehensive and Collision – Comprehensive covers the car repairs if the damage to the vehicle has been caused by something other than a collision, like vandalism or fire. Collision covers the car repairs if you have been at fault for the accident.
- Liability – protects you and the drivers involved if you were at fault for the accident.
- Personal Injury Protection – covers health care and other costs post-accident, including ambulance ride and income loss.
- Medical Payments – protects the driver and the passengers for medical care after the accident.
- Uninsured Motorist – it covers the driver if the accident is caused by an uninsured driver or a one with limited insurance.
A few missing coverages by Progressive auto insurance include:
- New car replacement
- Pay-per-mile insurance
Insurance Offers or Extras
Aside from the usual car insurance coverage, the company also offers add-ons and other perks, including Progressive rental car coverage and roadside assistance.
You can select from the following, depending on your state:
- Progressive gap insurance coverage – the company pays up to 25% above your car’s value if it gets totaled in order to cover the lease or loan balance. You have to buy both collision and comprehensive coverage to purchase this coverage.
- Equipment Value and Custom Parts – it covers the replacement or repair of custom accessories.
- Pet Protection – this coverage is included in the collision coverage plan.
- Snapshot – is a free coverage program that gathers the data of your driving habits, like when, how much you drive, and how fast. The data is evaluated, and the rates of your insurance are adjusted accordingly.
You can also select Progressive glass insurance and other extras depending on your needs.
Following are some of many discounts offered by Progressive:
- Multi-car discounts
- Progressive autopay discount
- Multi-policy discount
- Progressive good driver discount (Snapshot)
- Paperless discount
- Progressive safety feature discount
- Automatic payment discount
Customer Satisfaction and Reviews
Progressive has not scored too well on customer satisfaction. The BBB website gives Progressive a B- rating because of customer criticism. There were many complaints about denied claims and billing issues.
TrustPilot has ranked it Poor, with numerous negative reviews from customers. Again, many have highlighted the lack of proper customer support and unjust claim denials. Consumer Affairs has given it 1.5 stars. However, there are some positive reviews from customers here as well.
Despite its poor customer service ratings, many websites have considered Progressive as a great insurance company for financial strength, excellent website user experience, easy claim process, and low prices.
|Consumer Affairs||1.5 stars|
Progressive provides a 24/7 phone number where customers can call about their concerns. They have separate contact numbers for general fax, identity theft or report fraud, and commercial customer service.
You can get in touch through their online chat option on the website, or send them an email.
It is important to note that many customers have complained about poor customer support.
Ease of Use and Policy Customization
The Progressive Auto Insurance website is easy to use. You can request quotes through a simple tool that can help you find the right ones as per your specifications within a short time. The website also has a portal where customers can manage their policy, pay bills, file for claims, and view their status.
Other great features include the Name Your Price tool that helps the customers in finding the right policy as per their budget, the Comparison feature that allows customers to compare the rates of Progressive with its competitors, and Auto Financing Resources that provides the customers with refinancing or auto loan quote.
Aside from that, Progressive also has a mobile app that enables you to file a claim and request roadside assistance. There is a separate Snapshot mobile app that displays your driving habits, records data, and also offer custom tips for your driving.
Progressive also offers virtual assistance through Google Home device. You can ask the digital voice assistance of Progressive any insurance-related question.
Now, let’s discuss Progressive auto insurance quotes.
The average national representative rate of Progressive is $1,373, which lies somewhere in the middle in the car insurance companies. The overall price is mostly dependent on various factors, including driving record, your state, age, and coverage you purchase.
Just like other companies, Progressive also charges young drivers more. The average car insurance rate of a 25-year-old driver is $1,670. The rate for a 35-year-old is $1,274, and the rate for a 45-year-old is $1,236.
For drivers with low insurance coverage, the average rate is $1,274. Whereas, the drivers with medium coverage pay $99 higher than the drivers with low coverage. For drivers with high coverage, the average rate is $1,489.
Progressive offers excellent rates for drivers with good credit scores. For them, the average rate is $1,365. The drivers with fair credit pay an average rate of $1,690.
The poor credit score is certainly going to cost you. The average rate for drivers with poor credit score is $2,308.
Comparison with Competitors
It wouldn’t be a complete Progressive auto insurance review if we didn’t discuss the competition:
Allstate Auto Insurance
While Progressive offers coverage for drivers with SR-22s or driving records, Allstate is not for high-risk drivers. However, Allstate offers new car replacement perks and new car discounts. Moreover, Allstate also has a higher rate of customer satisfaction than Progressive.
Geico Auto Insurance
Geico and Progressive are famous for their low rates, along with providing coverage for almost all types of drivers. These auto insurance companies offer a wide variety of discounts.
Geico generally has lower rates than Progressive and offers excellent features for military members. Progressive, on the other hand, offers good bundling deals and free pet coverage!
State Farm Auto Insurance
State Farm and Progressive are among the most popular auto insurance companies that offer similar coverage benefits and options. State Farm does offer improved financial stability and has a bigger agent network. However, Progressive offers much lower rates than State Farm. The experience with your agents may vary.
Filling a claim with Progressive auto insurance is an easy task. All you have to do is call 1-800-776-4737 or file your claim online by logging in and selecting your product. You can even view the progress on your claim without logging in here. You can also download the mobile app, submit videos or photos of the damage, and get an estimate.
After the claim is submitted, the Progressive claims management is simple. You get connected to the right experts to help you and provide you with an estimate of repair costs. You will get an option to either receive payment or get the repairs completed.
If you opt for payment, then the money would be sent to you, and the claim will be settled. However, if you want repairs done, then an estimator would be sent to inspect the damage. You can also get the inspection done at a repair shop or office. The rep would review and discuss the estimate with you.
In case your car has been completed destroyed, the claim is handled differently.
Next, the repair is scheduled by the rep through the network of repair shops. You can also select a repair shop you prefer. The repairs are managed by the rep, and once the repairs are completed, you can pick up the car.
Pros & Cons
- Competitive rates and numerous discounts
- One of the largest auto insurance companies in the United States
- Fast claim process
- Poor customer satisfaction
- Not for drivers with a poor credit score.
Progressive auto insurance is ranked as one of the largest auto insurance companies in the United States, according to Progressive auto insurance reviews.
The company offers competitive rates and numerous discounts, particularly for customers paying automatically, safe drivers, and student drivers. The claim process is fast.
Progressive offers some benefits for drivers holding on DUI on record as well. The rates are much lower as compared to many of their competitors.
However, it doesn’t score well on customer support and satisfaction and it’s undoubtedly not for drivers with a poor credit score.