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Where does Progressive do business?
Progressive is an insurance carrier based in Mayfield Village, OH. The company was founded in 1937 and offers auto insurance in 50 states (and Washington, DC).
What types of auto insurance coverage does Progressive offer?
What types of auto insurance coverage does Progressive offer?
Although we often talk about auto insurance in the singular, it really includes several types of coverage. Progressive offers the following types of auto insurance coverage:
- Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident.
- Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
- Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
- Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
- Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
- Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
- Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.
- Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.
Progressive customers can also add the following riders or endorsements to their policies:
- Accident Forgiveness: This auto insurance rider helps you avoid a rate increase after the first accident where you are at fault. Some carriers pass on this benefit to other drivers on your policy, such as your teenage children. Check with Progressive to see if this rider is available in your area as it is not available in all states.
- Transportation Network Company or ride-sharing coverage: Standard auto policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
- Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
- Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.
What benefits does Progressive offer?
Progressive offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What discounts can you ask for when applying for a policy with Progressive?
When you ask for a quote with Progressive, make sure you ask for all the discounts you qualify for. These are the auto-specific discounts currently available.
- Internal Safety Features: Progressive offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger a discount.
- Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for a discount.
- Telematics Device (Usage-Based Insurance): You can qualify for a discount if you agree to install a sensor that records your driving habits.
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Progressive.
6300 Wilson Mills Road
Mayfield Village, OH 44143 USA
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Other Services by Progressive
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
- Anti-Theft Devices
- Internal Safety Features (Air Bags / Seat Belts)
- Low Annual Mileage
- Telematics Device (UBI)
- Advance Purchase / Early Shopper
- Automatic Payment
- Claims Free
- Continuously Insured
- Defensive Driver / Safety Course
- Full Payment
- Good Credit
- Good Student
- Loyalty / Long-Term Customer
- Multiple Policy
- Multiple Vehicles
- Paperless Billing / e-billing
- Student Away at School
- Bodily Injury Coverage
- Property Damage Coverage
- Uninsured Motorist
- Underinsured Motorist
- Medical Payments Coverage
- Personal Injury Protection
- Accident Forgiveness
- Emergency Roadside Service
- Loan / Lease / GAP Coverage
- Mechanical Breakdown Coverage
- Modified Vehicle Insurance / Customized Parts and Equipment
- Rental Car Coverage
- Ridesharing / TNC Coverage
- 24/7 Phone Availability
- Digital Claims Reporting
- Mechanical / Auto Body Repair Network