Progressive Insurance Liability Coverage

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Progressive Insurance earns a score of 8.7 out of 10.0 and we give it the title of Low Rates for High Risk Drivers thanks to its low rates and flexible coverage

Progressive Insurance Liability Coverage

In our Progressive Insurance review, we at Home Media’s review team will look at the provider’s auto, home and life insurance coverage options, see who Progressive might work best for, and compare it to others popular insurers.

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Why Trust Our Team The Home Media Review Team is committed to providing reliable information to help you make the best possible insurance decision for your car. Our researchers, writers and editors are dedicated to researching suppliers and analyzing customer feedback and information so you can choose with confidence.

We give Progressive a score of 8.7 out of 10.0 and recognize it as a smart choice for high-risk drivers. Additionally, we rate Progressive as one of the best auto insurance and cheapest auto insurance companies for 2022.

A company’s overall insurance rating is a summary of Progressive’s scores in five areas: reputation, availability, coverage, cost and customer experience. Below are the breakdowns of progressive scores in each category:

Buying progressive car insurance can be worth it for many drivers. The insurer has a wide selection of car insurance policies and additional coverage options, although reviews of Progressive Customer Insurance are mixed.

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On average, Progressive’s full coverage rates are about 7% lower than the national average for good drivers. The company also offers flexible offers such as usage-based insurance and ride-sharing insurance that appeal to a wide range of drivers. Here are some additional features offered by Progressive that set it apart from the competition:

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Progressive has been in business for over 85 years and today is a one stop shop for various insurance products. According to the National Association of Insurance Commissioners (NAIC), Progressive wrote more than $35 billion in auto insurance premiums in 2021 and is the third largest auto insurance provider in the United States (behind State Farm and Geico), with 13.7% of market share.

In 1956, Progressive began targeting high-risk drivers and often became an affordable choice for many people with at-fault traffic accidents or other violations in their driving history. The insurer also stands out for its attention to technology. It was the first major provider to have a website and allow consumers to buy insurance policies online. Today, features like the Name Your Price® tool can simplify coverage selection for tech-savvy drivers.

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There is a strong emphasis on personal relationships with Progressive Insurance, as many drivers mention helpful and understanding customer service agents. Although the insurer has stellar financial health, some negative reviews claim that Progressive’s offers are not as reliable as other auto insurance companies.

Our team reached out to Progressive for comment on these reviews, but did not hear back.

In August 2022, our team conducted a nationwide auto insurance satisfaction survey that surveyed 6,923 people. Of those who participated, 17% said they had progressive auto insurance. Here’s an in-depth look at how customers rated Progressive against the overall average in our survey:

Additionally, our survey found that 31% of respondents with progressive policies filed a complaint, while 69% did not. We found that the majority of respondents were satisfied with customer service during the complaint process, giving Progressive a rating of 4.1 out of 5.0 stars. Respondents also gave the company a 4.0 star rating for satisfaction with the outcome of the complaint or transaction.

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Progressive earned 859 points out of a possible 1,000 in JD Power’s 2022 US Insurance Shopping Survey℠, which surveys customers to determine their satisfaction at each stage of the shopping experience. The industry average is 863 for large insurers. Progressive scored three points higher than the same survey in 2021.

The insurer performed similarly in JD Power’s 2021 US Auto Claims Satisfaction Survey℠, scoring 862 out of a possible 1,000 (the average was 880). The survey looked at the responses of 7,345 car insurance customers who had settled a claim in the last six months.

Our team reached out to Progressive for comment on these results, but did not hear back.

Although Progressive scored slightly below average in recent JD Power surveys, the insurer has less impressive BBB ratings. The company has an F rating of 1.0 out of 5.0 stars from customers on the site.

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Positive reviews of Progressive Insurance speak to the company’s fast claims process and helpful and understanding customer service agents. On the other hand, negative reviews claim that some agents lack professionalism and claims can take a long time to resolve. Some reviewers also claim that Progressive’s roadside assistance isn’t as reliable as other programs they’ve had.

According to the NAIC, Progressive had more auto insurance customer complaints in 2021 than the industry average for its size. This means that other insurers may be more reliable than Progressive when it comes to customer service.

When it comes to the mobile experience, drivers leave mostly positive feedback. The Progressive app has 4.8 out of 5.0 stars on the App Store, backed by over 37,000 customer reviews, and 4.6 stars on Google Play from 59,000 customers.

This option covers a rental car up to $60 per day in the event of a covered incident.

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If your car is totaled, this coverage can pay the difference between the actual cash value of your car and the amount you still owe on your loan or lease. Some providers call this insurance policy Assured Asset Protection or Gap Insurance.

Rideshare insurance covers you while you’re between trips when you work for a ridesharing or delivery service. Availability varies by country.

This option will reduce your deductible by $50 for each semester that is accident or violation free.

Our estimates show that 35-year-old drivers with good credit and clean driving records pay an average of $1,611 per year or $134 per month for full coverage insurance with Progressive. That’s about 7 percent less than the national average of $1,730 a year.

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Car insurance rates depend on a variety of factors and the progressive rates you receive may not reflect the estimates below. If you have poor credit, you will pay more for car insurance unless you live in California, Hawaii, Massachusetts or Michigan. And if you have little driving experience or are a young driver, your insurance options will be more expensive.

Age is one of the many factors that affect the final cost of car insurance. Young and inexperienced drivers tend to pay more for car insurance because they lack driving experience.

The table below shows estimates of average monthly and annual costs for a progressive policy, broken down by age.

According to our rate estimates, Progressive’s full coverage insurance is often less expensive than the national average rate for high-risk drivers. This includes drivers with bad credit and DUI convictions.

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Progressive is among the most affordable local providers on the market. Here’s how it compares to well-known national auto insurance companies.

The table below includes average costs for major regional and national providers to highlight the comparison between Progressives. Estimates are for a 35 year old married driver with good credit and a clean driving record.

Although Progressive’s rates are below average, there are instances where some drivers may pay more than others. Progressive or other auto insurance rates are affected by several factors, some of which are within your control. Understanding the factors you can control can help you get the best price possible.

The number of discounts available is comparable to what you’ll find with other leading insurers. However, Progressive has a few more options than some competitors when it comes to saving money based on how you pay for your policy.

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There’s also the Name Your Price tool, a feature on Progressive’s website that can help drivers find coverage that fits their monthly budget. Enter your preferred monthly payment to get some coverage options.

Progressive offers forgiveness for minor and major incidents. New policyholders automatically receive a minor accident waiver, which keeps their rates unchanged if the claim does not exceed $500.

Once you’ve had a progressive policy for five years and been claim and violation free for three years, you get enough accident forgiveness. This benefit keeps your rates unchanged when your next insurance claim exceeds $500. Note that it only works once, so you have to wait another three years to become eligible again.

Save on your policy (4% on average) when you have more than one vehicle listed on your policy.

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Lower your insurance premium (10% average) by adding a full-time student who maintains a “B” average or higher.

Save on your policy if you have a student who is 22 or younger, lives more than 100 miles from home, and

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