Is Progressive Auto Insurance Legit? A Review of Its Products, Benefits, and Drawbacks

Is Progressive Auto Insurance Legit?

Progressive is one of the largest and most well-known auto insurance companies in the US.

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Progressive auto insurance claims to offer lower rates and customizable coverage for different drivers and budgets. But is it too good to be true? Read this comprehensive review to find out/PHOTO: Files

It offers a variety of coverage options, discounts, and features to suit different drivers and budgets.

But is progressive auto insurance legit? How does it compare to other insurers in terms of price, service, and customer satisfaction?

This article answers these questions and more about progressive auto insurance.

What is progressive auto insurance?

Progressive auto insurance is a type of car insurance that covers you and your vehicle in case of an accident, theft, or damage.

It also protects you from liability if you cause injury or property damage to others.

Progressive auto insurance has several types of coverage, such as:

  1. Liability: This covers the medical and legal expenses of the other party if you are at fault in an accident.
  2. Collision: This covers the repair or replacement of your vehicle if it is damaged in an accident, regardless of who is at fault.
  3. Comprehensive: This covers the damage to your vehicle caused by events other than an accident, such as fire, vandalism, or natural disasters.
  4. Uninsured/Underinsured Motorist: This covers the medical and repair costs if you are hit by a driver who has no or insufficient insurance.
  5. Medical Payments: This covers the medical expenses of you and your passengers, regardless of who is at fault in an accident.
  6. Personal Injury Protection: This covers the medical, lost income, and funeral expenses of you and your passengers, regardless of who is at fault in an accident.
  7. Rental Reimbursement: This covers the cost of renting a car while your vehicle is being repaired after a covered claim.
  8. Roadside Assistance: This covers the cost of towing, battery jump, flat tire change, lockout service, and fuel delivery if your vehicle breaks down on the road.

What are the benefits of progressive auto insurance?

Progressive auto insurance has many benefits that make it a popular choice among drivers.

Some of the benefits are:

  • Competitive rates: Progressive claims to offer lower rates than its competitors, especially for high-risk drivers, such as young, old, or inexperienced drivers. It also offers discounts for bundling, safe driving, paying in full, online quotes, and more.
  • Customizable coverage: Progressive allows you to customize your coverage according to your needs and preferences. You can choose the amount of deductible, limit, and add-on features that suit your situation and budget.
  • Snapshot program: Progressive has a unique program called Snapshot, which monitors your driving habits and rewards you with discounts for safe and low-mileage driving. You can use a mobile app or a device that plugs into your car to track your driving behaviour, such as speed, braking, time of day, and mileage.
  • Name your price tool: Progressive has a tool that lets you name the price you want to pay for your auto insurance and then shows you the coverage options that match your budget. You can adjust the coverage details until you find the best balance between price and protection.
  • Claims service: Progressive has a fast and easy claims process that you can access online, by phone, or through a mobile app. You can report a claim, upload photos, track the status, and receive payments in a matter of days. Progressive also has a network of repair shops that offer guaranteed repairs and priority service.

What are the drawbacks of progressive auto insurance?

Progressive auto insurance is not perfect, and it has some drawbacks that you should be aware of.

Some of the drawbacks are:

  • Customer service: Progressive has a mixed reputation for customer service, depending on the channel and location. Some customers have reported rude, unresponsive, or inconsistent agents, while others have praised their helpfulness and professionalism. Progressive also has a lower-than-average rating from the Better Business Bureau, mainly due to complaints about billing, coverage, and claims issues.
  • Coverage availability: Progressive auto insurance is not available in all states, and some coverage options may vary depending on the state. For example, Progressive does not offer gap insurance, which covers the difference between the market value and the loan balance of your vehicle, in some states. You should check the availability and details of the coverage you want before signing up with Progressive.
  • Snapshot program: Progressive’s Snapshot program may not be suitable for everyone, as it may increase your rates if you drive poorly or frequently. Some customers have also complained about the accuracy, privacy, and security of the Snapshot device or app, as it may record or transmit sensitive data, such as location, speed, or phone usage.

Conclusion

Progressive auto insurance is legit, and it offers a range of coverage options, discounts, and features that can appeal to different drivers and budgets.

Progressive has competitive rates, customizable coverage, a Snapshot program, a name-your-price tool, and a claims service that makes it a popular choice among auto insurance shoppers.

However, Progressive also has some drawbacks too.

Therefore, you should compare it with other auto insurance companies before making a decision.

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