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Progressive Insurance was founded in 1937 by Joseph Lewis and Jack Green in order to provide vehicle insurance in innovative ways. They were the first company to offer drive-in claim service and the first company that allowed customers to pay their premiums in installments rather than large lump sums. Throughout the 1960s, the company continued to grow and expand and by 1987, they finally reached $1 billion in premiums.
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Progressive offers the following options for policyholders. It is important to note that each state has different coverage limits and that each feature may not be included in every policy.
Progressive polices range from $65 to $202. As with most companies, the more coverage you wish to obtain, the higher the premium will rise. For example, adding Roadside Coverage or Uninsured Motorist Property Damage will increase rates. Again, prices vary with each state, driver and vehicle type.
Progressive provides coverage in 49 states, with Hawaii being the exception. They also have a great social media presence and are pretty savvy when it comes to communicating to their customers and potential customers through various social media platforms. They seem to have more of an online presence than most large insurance companies.
Progressive offers a comprehensive range of driver discounts:
One interesting option is Progressive's Snapshot program. Though optional, it allows drivers to connect a small device into their vehicle's OBD-II port. This device monitors driving activity and periodically offers discounts based on actual driving habits. Though this might seem a bit too intrusive to some people, it is a good way for safe drivers to prove their track records and get all of the discounts they deserve. This program is optional and free to join, and any discounts that customers earn are applied automatically.
Drivers can file and track claims either directly with an agent, over the phone or online, with the claim center operating around the clock.
Progressive offers a free mobile app that allows customers to access many online features, including filing and checking on claims, getting an insurance quote and accessing insurance cards. This adds an extra level of convenience.
It must be noted that one of Progressive's early innovations was providing insurance to high-risk drivers. Today, drivers who have had a few accidents or who are otherwise considered high-risk will find Progressive rates super cheap compared to the competition. However, these cheaper rates are not so noticeable for good drivers. Also, some customers have complained that Progressive makes up for the initially low rates by "nickel and diming" customers with fees.
The poor quality of customer service at Progressive is a common complaint. Many have said it's hard to get hold of an actual person or to get a response in a reasonable amount of time. Others have found it difficult to get problems resolved.
The company received some bad publicity over an incident in 2012 when Progressive fought to avoid paying a claim for a customer killed by a hit-and-run driver who sped through a red light. Even though the customer had underinsured motorist coverage, Progressive went so far as to provide legal assistance to the defense in order to attempt to avoid paying. Though this is just one incident, coupled with a vast number of complaints about "nickel and diming" and bad customer service, it bears noting.
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Because, they have no rewards plan for us good drivers
Rock chip repaired! It was free (for me after I paid the premium) and it was easy and painless!
Progressive was the lowest rate we could find for car insurance, so I was happy to join. We tried there car monitor thing to lower our rates, it's been far more annoying than worth it. And now we have to keep it for a while.
I never have had to file a claim so I cannot speak to that but progressive has great rates and easy to pay online
I've had different insurance companies throughout the year and I'm very impressed with Progressive. I've had several accidents and each time their customer service has been amazing. They are very helpful and their pricing is very fair. I will stay with Progressive because they are so good to me.
I have been using Progressive for the last year and I have not had any problems. Their customer service is good and are very helpful when I come across a problem or question.
My son uses this insurance company. He says it's all right. Not that impressed.
I Love Progressive Auto Insurance. It was easy to insure my car online and print the insurance card for proof of insurance. Progressive was the lowest priced policy in my area and I am glad to have such ease of application and conformation.
Great Coverage with Affordable Costs to Myself for 20 yrs ??
Best price, only one off two companies that were recommended
They do their job for a decent price. Solid value
Always been there for me and beats the price of all others.
my premiums are at such a high rate I cannot afford them
Had an accident and my insurance doubled. Paid for years with no accident, then they double the cost when I needed them? What a racket!
the best price, high quality insurance, great customer service
very organized and efficient. always repond quickly and accomodaating.
They are reasonably priced. Easy to file a claim, easy to add or remove a car off the policy
They Always takes care of their customers no matter what
Quick service and very helpful with my daughter's accident.
I am satisfied with Progressive because it is affordable. The website is user friendly, and I can easily get access to my identification cards to print them, or I can have it digitally.
All around good company. You get a free perkshare program where get free or discounted services/items including rental cars.
So far pricing and customer service setting up the insurance. I haven't had any claims.
they were no help at all after we were hit by an illegal driver running a red light
Their rates are competitive and their service is top notch. Mr wife and I have both filed claims for minor repairs on our vehicles and both were repaired within a week using their preferred repair shops.
ITS BEEN GOOD, BUT THE ONLY DOWNFALL IS THEY RAISE IT EVERY TIME THE POLICY IS UP
They raised my rate 200 for nothing... no crashes, no tickets just a higher rate
Always Dependable. When I had a claim, they immediately took care of me.
Great customer service great prices awesome kind and friendly people to deal with
Great and easy to use website. Low premium. I have not had to file a claim yet
very responsive to my questons. very responsive to my claim.
Efficient and warm communications, smooth claims.
Very high rates confusing rate increases. I have nothing else to say
Well, I THOUGHT I had full overage for everything including a tow and rental. However, they only cover a tow <20 miles from your home, and my car broke down 90 miles away. Not good if you drive any distance. And I did NOT have rental coverage as I was told, and as such, was without a car for a month. They are pleasant to deal with on the phone, but their services were not what I was promised.
Hate them dishonest and not trustworthy. Yea their ads R good but service a o
I left Progressive because they kept going up on my rates and I wanted a company that would also insure my home.
They Cost to much and like other companies they have the lower deductible and give you a check back progressive is not giving you anything back
Premiums are good, insurance sales OK, claims are terrible.
I expect the best service and they provide.
Rates raise even for no tickets or accidents falling off
Progressive has always been easy to work with. I've been with them for about 2 years and haven't had any problems. The prices are fair and competitive