12/29/2022
Progressive insurance company is one of the main entities that sell car insurance in the United States, together with State Farm and Geico, being the first if we segment only the policies for commercial and business vehicles.
In addition, it also offers many other insurances, health, travel, pet, life, home and many more, but its main business is auto insurance, which is what we are going to analyze in this article.
What does Progressive's auto insurance cover?
The coverages offered by the car insurance policies of this insurer are very varied, ranging from the basic compulsory insurance that only covers civil liability, to policies that offer medical coverage or roadside assistance.
These are the main coverages that you can contract in Progressive's auto insurance policies:
Liability
This coverage is the one that will be required in all states of the United States except New Hampshire. With this coverage you cover the injuries and damages you may cause to third parties and their property, in case you cause an accident while driving.
The amount of coverage depends on the policy you have taken out, although it is usually high. In case it exceeds that amount, you will have to pay the rest out of your own pocket.
Crash
In the event that you collide with an object on the road or another vehicle, with this coverage you will be able to cover the costs of repairing your vehicle or even replacing it with another one.
Medical and funeral expenses
If you have contracted this coverage, Progressive will pay for medical care and hospitalization expenses in the event of an accident, including funeral costs in the event of death.
This option can also be purchased for passengers in the car you are driving and even for you and your family members when you are passengers in other vehicles.
Comprehensive Insurance
This coverage offers you protection against damages that your car may suffer due to causes other than a traffic accident, such as theft, fire, a broken window, being run over by an animal, a lightning strike and other meteorological phenomena such as hail or flooding.
With this type of insurance, a deductible is usually established, which makes the price of the insurance not so high. The deductible establishes a limit of money that, in case of any mishap, the policyholder pays to repair the damages, the rest would be paid by the insurance company.
Supplement for insufficient coverage of other insurances
In the event of an accident in which the driver of another vehicle is at fault and your insurance does not provide sufficient coverage for the injuries you and your passengers may suffer or the property damage that may occur, this benefit covers the difference.
It also covers you if the other driver has no insurance, paying in full for damages and injuries up to the limit of your own policy.
Other coverages
| Roadside assistance | With this service you will enjoy a breakdown service on the road, being able to tow your car to a garage to have it checked or to change a flat tire or to bring you fuel in case your car has run out of gas. |
| Auto loan or leasing | It is common for a car to lose value on the market to a greater extent than you pay back on your auto loan, especially at the beginning. Thus, in case of theft or an accident in which the car is badly damaged and cannot be repaired, this benefit covers the difference between the market value of your vehicle and what you have left to pay back on your auto loan. |
| Extra equipment | If you have added additional equipment to your car that did not come with it when you bought it, such as new tires, a new sound system, a navigation system or aerodynamic elements, with this coverage you will obtain protection for up to $5,000. |
| Rental car reimbursement | If you have an accident and your car has to spend a few days in the shop, with this coverage your Progressive car insurance will reimburse you for the cost of a rental car during that time. |
| Carpooling | If you use a ridesharing app to get around and the driver's insurance doesn't provide enough coverage for you, you can purchase this benefit from your own Progressive car insurance to receive additional protection. |
Progressive Car Insurance Pricing
Car insurance quotes depend on many factors, so the final price can vary greatly from one driver to another, from one vehicle to another and even from one state to another.
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So, the best thing to do is to make as many simulations as you can, taking advantage of tools such as the online calculator on Progressive's website, and those offered by other insurers such as Geico or State Farm.
Factors that affect the price of auto insurance
- Vehicle. The year of registration, the engine capacity, the number of kilometers it has and the kilometers you drive each year, whether you park it on the street or in a garage, and even the color of the car are characteristics that insurers use to quote your policy.
- Driver. The human factor is decisive when it comes to driving a car, so Progressive will want to know your age, sex, how many years you've had your driver's license and if you've had accidents before, in order to calculate the price of your insurance.
- Coverage. In the previous section we discussed the protections you can get in a car insurance policy with Progressive. Obviously, the more coverages you take out, the more expensive the policy will be.
- Deductible. In comprehensive insurance, the more deductible you establish, the cheaper the policy will be, but the more you will have to pay out of pocket to repair damages to the vehicle.
- Other insurances. In addition to auto insurance, with this insurer you can also take out other policies to cover other matters, such as travel, pets, health and home. The contracting of these other insurances with Progressive will mean a reduction in the global quote.
- Residence. The state and city in which you reside can also influence your quote, especially when it comes to establishing the minimum mandatory coverage.
Español: Seguro de auto de Progressive para carros