Progressive Auto Insurance Review

FinancialAdviser.com Rating: 3 / 5 (Poor)

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Good overall choice with added benefit of being able to see competitor rates

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Progressive Corporation (Progressive) is one of the largest car insurance companies in the United States. Found by Jack Green and Joe Lewis in 1937, Progressive concentrates its business primarily on car insurance policies.  Progressive does, however, also insure boats, RVs, motorcycles, ATVs, commercial vehicles and more. Progressive is a publicly traded company with over 10 million insurance policies in force, 450 offices throughout the US and over $14 billion in assets. According to its balance sheet, Progressive is a financially secure insurance company with excellent financial strength as rated by several independent assessment companies.

Progressive is known for providing competitor car insurance quotes along with its own auto insurance quote. It was also the first major auto insurer to offer car insurance policies over the phone and through its web site. Progressive launched a very successful advertising campaign featuring “Flo”. Here is an example of a progressive auto insurance commercial featuring Flo.

 

Pricing

In an effort to determine how these companies rate from a pricing perspective, we created three different driver profiles and acquired six different quotes. Each profile was for a single male with a clean driving record, driving a 2005 Audi Quattro. The profiles differed in age range: there was a 29-year-old, a 37-year-old and a 65-year-old. We then obtained quotes for two different cities: San Francisco, CA and Springfield, IL. Progressive fared as “average” in our tests, providing prices that were very similar to other companies. As always, your pricing could differ substantially, so it pays to obtain your own personal quote.

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Shopping Experience

The data required to get a Progressive car insurance quote is fairly simple: It includes the driver specifics and driving history, address and vehicle data. When you input your name and address you need to read and accept their privacy policy to proceed with an online quote. The right side of the site features frequently asked questions and provides an overview of all the information you enter as you move through the fields. If you’d like to speak with someone live, you can easily click a button and enter your phone number to have them call you or you can call them directly. They also offer a Spanish language version of the quote tool for those who prefer it.

Progressive does ask some self-serving questions, such as whether you’re covered by health insurance, conceivably so that they can upsell you on your quote. They also ask if they can email you about their products and services, something we didn’t see on the other sites we reviewed.

Progressive offers some unique customer-friendly features as part of their quote. Right before they display your quote, they ask if you’d like to choose between 3 different types of quotes. The first option is a customized insurance package they recommend, priced accordingly. The second option allows you to enter the price you’d like to pay and they’ll build a quote at that price. Obviously, if you enter a low price, your coverage levels won’t be as high, but this is an intriguing feature for price-sensitive customers on a budget. The third option will match the cost of your current insurance coverage. We found this functionality to be very useful, and it made us feel like we had control of the situation, a nice touch.

The final quote page was very easy to read and understand. The dollar value of the discounts you qualify for are displayed, and customers are given a wide variety of payment options. If you’re interested, there’s even a section where you can compare your Progressive quote with a quote from another company. When you select this feature you’re asked some additional questions and then another quote is generated. Our quote was for State Farm auto insurance with the same coverage limits. The State Farm quote was significantly more expensive than the Progressive quote.

The most unusual and intriguing feature was the complimentary “pet injury coverage” as part of your policy quote, if you elect to purchase collision coverage with your policy. Progressive states that their collision coverage covers injuries or death to any pets owned by the insured or a relative.

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Bottom Line

Progressive was middle of the pack in most categories, with average prices, claim satisfaction and overall satisfaction. Like the other companies we reviewed, Progressive provides online billing and paper-free statements. Their ability to provide another company’s quote is a nice feature for those customers who prefer to shop around prior to purchasing. The combination of these traits makes them a good pick.

Progressive offers insurance in the following states:

Progressive offers auto insurance coverage in all 50 states

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elow we cover some of the commonly used auto insurance terms. Terms and coverage offerings can vary by provider. For more specific answers or definitions that aren’t covered here, please talk to the auto insurer directly.

Bodily Injury Liability: If the insured person is found legally liable for an accident, Bodily Injury Liability (BIL) pays for costs related to other people’s bodily injuries or death. It also provides for legal defense costs if you are sued. BIL covers injury to other people, not to yourself and not to your car. This coverage is mandatory in most states. Coverage is limited to the terms and conditions contained in the policy.

Property Damage Liability: If the insured person is found legally liable for an accident, Property Damage Liability (PDL) pays for damage to others’ property resulting from the accident. Usually this property is their car, but it could be a house or other property damaged in the accident. PDL also pays for legal defense costs if you are sued. Coverage is limited to the terms and conditions contained in the policy.

Uninsured / Underinsured Motorist Coverage: If the insured person or their passenger(s) is injured in an accident caused by a driver with no auto insurance coverage or insufficient auto insurance coverage, Uninsured/Underinsured Motorist Coverage (UUMC) will pay for medical expenses and other general damages. UUMC may also pay for injuries that occur in a hit-and-run accident. Coverage is limited to the terms and conditions contained in the policy.

Uninsured / Underinsured Motorist Property Damage Coverage: If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, UUMP will pay for damage to your insured vehicle. Coverage is limited to the terms and conditions contained in the policy.

Comprehensive Coverage: If the insured vehicle is damaged due to an event other than a collision, Comprehensive Coverage (CC) will pay for the damage. For example, CC covers damage to your car if it’s damaged by flood, fire, etc. If your vehicle is stolen, CC usually pays for transportation and loss-of-use expenses. CC pays to fix your car less the deductible you select. Coverage is limited to the terms and conditions contained in the policy.

Collision Coverage: If the insured vehicle hits or is hit by another vehicle or object, Collision Coverage pays for the damage to your vehicle. This coverage may also extend to a rented or non-owned vehicle that the insured is using. Collision Coverage pays to fix your car less the deductible you select. Coverage is limited to the terms and conditions contained in the policy.


Yes, you do. Auto insurance, or proof of financial responsibility, is required in all 50 states. Each state has specific limits on how much insurance you need to have. Check with your state department of insurance to determine what those limits are.


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