According to its website, Progressive Insurance was established on March, 10, 1937 by Joseph Lewis and Jack Green as Progress Mutual Insurance Company. Headquartered in Mayfield Village, Ohio, Progressive has 25,000 employees in more than 450 offices throughout the country. Progressive was the first major auto insurance group in the world to launch a website in 1995, and the first insurer to give consumers the ability to buy an auto insurance policy in real time online.

A.M. Best affirms the financial strength of Progressive Insurance with an A+ Superior rating. Insurance products through Progressive include auto, motorcycle, boat, RV, commercial auto, truck, homeowner’s, renters, life, health, and umbrella insurance policies.

Accident Forgiveness

Accident forgiveness is available if you have had a car insurance policy with Progressive for four years and have remained accident-free for three consecutive years. Your rate will not be raised due to an accident, regardless of fault if you meet these criteria. This applies only to the first accident after the four years with Progressive and three years of accident-free driving. Accident forgiveness is also available for long-term policy holders.

Safe Driving Discounts and Bonuses

Safe driving discounts are available in most states through Progressive’s Snapshot program, which provides the client with a device that plugs into the on-board diagnostic port of their car to record driving data and send that data to Progressive. After 30 days of driving, Progressive determines if the driver is eligible for up to a 30% discount based on their driving habits.

Gap Coverage

Gap coverage pays the difference between what you owe to your leasing or finance company and the car’s value as determined by your auto insurer. Progressive does not offer gap insurance, but instead offers loan/lease payoff coverage. Loan/lease payoff coverage offers a maximum payment of 25% of your vehicle’s actual cost value. Loan/lease payoff stipulates that your lender must be a financial institution, you must have comprehensive and collision coverage for your vehicle, the claim must be covered under comprehensive or collision coverage, and your vehicle must be determined as a total loss.

Long-term Policyholder Discounts

Long-term discounts are available through Progressive’s Loyalty Rewards program. The longer you have a policy, the more perks and discounts Progressive will apply to your policy. These include discounts for continuous insurance and accident forgiveness.

Mobile App

Progressive’s App is available for the iPhone and Android. It offers the ability to get a car insurance quote and buy an insurance policy, get directions to a local independent agent or a service center, make a payment, update policy information, and calculate monthly car loan payments all on your smartphone. The app also allows you to compare the relative costs to insure different car types, report and track claims, and watch Progressive TV commercials.

Multi-Policy/Multi-Line Discounts

A second policy with Progressive, like a home insurance policy, will provide additional savings. Multi-car insurance discounts may also provide savings on your insurance policy.

Other Lines of Insurance

Progressive also provides insurance coverage for:

  • Home insurance
  • Motorcycle insurance
  • Boat insurance
  • RV insurance
  • Snowmobile insurance
  • Commercial auto insurance
  • Truck insurance
  • Renters insurance
  • Pet insurance
  • Life insurance
  • Health insurance
  • Umbrella policy

Pay As You Drive

Progressive’s Snapshot Pay As You Drive program allows your premium to be adjusted by your driving frequency and mileage. Progressive provides a device that plugs in to the on-board diagnostic port. This device records driving data for Progressive to adjust the driver’s premium by.

Rental Reimbursement

Rental reimbursement provides rental car coverage through comprehensive or collision coverage. Rental reimbursement depends on how much coverage you purchase. For instance, if you purchase $30 per day rental reimbursement insurance, your policy will cover $30 per day for up to 30 days to cover rental charges incurred.

Roadside Assistance

Roadside assistance covers towing to a repair facility and specified financial amounts of coverage for mechanical or electrical repair, dead battery, flat tire, lockout, insufficient, fuel, oil, or water supply, or entrapment within 100 of the roadway. Roadside assistance requires comprehensive and collision coverage on your policy. Roadside assistance is available 24/7.

SR-22/FR-44 Coverage

SR-22 or an FR-44 is documented proof of financial responsibility. The SR-22 or FR-44 is required if you are caught driving without insurance, after a DUI, DWI, or any serious moving violation, after an at-fault accident without insurance, repeated traffic offenses, or after license suspension or revocation. The SR-22 will usually be required for three years, which will also require continuous insurance until the SR-22 status is removed. Progressive files the actual SR-22 form with the state’s motor vehicle department.

Teenage Drivers

Progressive provides articles about an automobile insurance policy for a teenage driver, including staying on a parent’s policy or the benefits and drawbacks to buying a separate policy as a teenager. Teenage drivers don’t benefit from their parent’s pricing if they own a separate policy and tend to pay a considerable amount more for insurance.

Vehicle Equipment Discounts

Safety equipment and antitheft devices installed on a vehicle may provide discounts that vary depending on the state, type of equipment, and type of coverage. The installation of a LoJack Anti-Theft System may provide 20% off of comprehensive coverage is some states. Automatic seatbelts and airbags may provide further discounts.