Progressive Auto Insurance Reviews And Ratings

About Progressive Car Insurance Company

Best Auto Insurance Companies 2021: How Progressive Compares

Best car insurance for young adults and college students

Even though young drivers and college students spend more, on average, for car insurance than other age groups, Progressive strives to make insurance more affordable for these demographics by offering lower than average pricing and a multitude of discounts. This, among other things, helped them to earn the Best Car Insurance for Young Adults and College Students title in our annual Best Car Insurance Companies review. 

Progressive secured a four-star InsureScore rating for claims service, which indicates that customers are pleased with Progressive at the time they need them the most, after an accident or other claim. Progressive customers were also pleased with their website and mobile app offerings as well as the price breaks for those who use those tools to go paperless, do online quoting and electronic signatures. 

The usage-based SnapShot program is a worthy benefit for young drivers or college students who may not be putting many miles on their vehicles but also offers the same to any demographic who wants to save money for low-mileage and safe-driving behaviors.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Progressive’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Pioneers in the industry

Progressive is known for a number of firsts in the auto insurance industry including writing insurance for high-risk drivers, concierge service to help customers find a replacement vehicle, and in-person service and support after a claim report. Specially marked vehicles bring claims professionals to wherever customers need them, including the site of an accident.  

Progressive is the 4th-largest personal auto insurance provider and is known for its pay-as-you-drive program, Snapshot. Snapshot drivers volunteer to be monitored and can receive significant discounts through the program if found to be following safe driving practices.

Consider Progressive for bundling, budgets, or not the best record

Since Progressive offers a wide array of coverage types within auto, home, life, and travel, consider Progressive when looking to bundle multiple types of insurance coverages. Not only can the company provide one-stop shopping, but there are several discounts of which customers can take advantage with multiple policies and multiple vehicles.

The company’s “Name Your Price” tool allows users to find coverage that will fit within a budget. Customers may be able to find a limited policy at an affordable price that other insurers might not provide. Customers can save even more by registering in the Snapshot program, receiving additional discounts based on monitored and safe driving.

Progressive writes coverages for a wide range of customers, including high-risk drivers. Above-average credit and driving history are needed to get the best available rates, but drivers with violations, accidents, and even DUIs can get a policy with Progressive.