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Discounts are often a crucial factor when choosing a car insurance provider. After all, you shouldn’t have to break the bank just to reach your state’s minimum required coverage. The good news for those considering Progressive is that the company offers a long list of car insurance discounts that nearly anyone can qualify for.
We carefully researched the best car insurance companies across the U.S. to compare their savings opportunities with the discounts Progressive provides. It’s smart to get free quotes from multiple auto insurers to learn how their potential discounts compare to those from Progressive.
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Loyalty Discounts from Progressive
Progressive provides various loyalty discounts that nearly any driver can qualify for. Below are a few savings opportunities you may be able to take advantage of through Progressive and many other companies across the car insurance industry.
Continuous Insurance Discount
The continuous insurance discount is Progressive’s way of thanking drivers for maintaining insurance coverage on their cars. You’ll get a discount for the time you were on a previous car insurance policy, no matter which insurer coverage was provided by.
The multi-car discount comes into play if you insure a second car on your insurance policy. To include multiple cars on the same policy, they must all be primarily kept at the same address. This rule allows spouses, family members and even roommates to take advantage of the multi-car discount. Progressive estimates average savings of around 4%.
This discount typically reduces car insurance rates by about 5%. You’re eligible as long as you hold at least two different types of insurance policies from Progressive. You can bundle auto coverage with homeowners or renters insurance or with policies for boats, recreational vehicles (RVs) or motorcycles.
Driver-Based Discounts from Progressive
The discounts that Progressive provides sometimes depend on your own specific attributes. Carefully read through the list below to find out whether these savings could help you discover cheap car insurance. Also remember that certain other ways to save, such as defensive driving discounts, may be available even if not listed on Progressive’s website.
Teen Driver Discount
The teen driver discount applies when you add a motorist who is 18 years old or younger to your policy. It’s designed to partially offset the higher premiums that teens usually face when starting out on the road.
Good Student Discount
The good student discount delivers average savings of around 10%. To be eligible for this discount, your policy must include a driver who is a full-time student and holds at least a B average across all of their classes.
Distant Student Discount
This discount is designed to reduce the cost of car insurance for students away at college. It applies if one of the drivers on your policy is a full-time student living at least 100 miles from their vehicle. Eligibility is also restricted to those who are 22 years old or younger. The idea is that these students won’t be driving much, making them less risky to insure.
Snapshot Safe Driver Discount
The Snapshot program lets Progressive customers save an average of $146 per year by personalizing rates based on their driving behaviors. Motorists earn discounts based on how much they drive, when they drive and habits such as not speeding. It’s a smart option for good drivers, but reckless drivers may see increased rates from the Snapshot program.
Homeowners can save an average of nearly 10%, regardless of whether they have home insurance through Progressive or another insurer.
Quoting and Purchase Discounts from Progressive
Progressive also offers discounts depending on how you purchase your policy. Pretty much anyone can take advantage of these Progressive discounts as long as they’re willing to adjust how they go about buying auto insurance.
Automatic Payment Discount
Set up automatic payments from your debit card, credit card or checking account to qualify for this simple discount that Progressive provides.
Online Quote Discount
Progressive offers this discount, which averages 7% savings, when drivers get their car insurance quotes online. It applies even if you finish the quote over the phone with a licensed Progressive representative.
Choose to receive statements and documents via email instead of through the mail and you’ll earn savings. The exact discount from Progressive varies, so you’ll need to get a quote to learn how much you could end up saving.
Pay in Full Discount
You can cover your Progressive car insurance premium monthly or in varying installments, but paying it upfront in full will deliver extra savings. You can’t combine this discount with the automatic payment discount, though.
Sign Online Discount
Just signing up for your Progressive insurance online delivers savings of 9% on average. This is an extremely easy discount that Progressive provides and one that can save you considerable money. Even though they’re relatively similar, the Progressive sign online discount can still be combined with the company’s paperless discount.
Additional Discounts from Progressive
Along with the savings opportunities listed above, Progressive provides some optional insurance coverages that could reduce your costs if you end up in an accident. Note that you’ll need to spend a bit more for your standard auto policy to gain access to some of these coverage choices.
Deductible Savings Bank
The deductible savings bank will take $50 off your comprehensive or collision insurance deductible each time you get through a full policy period without a violation or accident.
Small Accident Forgiveness
Progressive won’t raise your car insurance rates because of claims that are smaller than $500. Remember that larger claims could still lead to higher premiums.
Large Accident Forgiveness
This discount applies if you’ve carried Progressive auto insurance for at least five years without any accidents or violations. If you qualify for this coverage plan, your rate won’t increase even after your first at-fault accident.
Name Your Price Tool
While not technically a discount that Progressive provides, the Name Your Price tool makes it simple for drivers to discover the best coverage for them. Motorists put down how much they’d like to spend on car insurance and Progressive will offer options that fit their financial needs.
Our Recommendations for Auto Insurance
Our Progressive insurance review names the company a leading auto insurance provider, but it’s far from the market’s only choice. We suggest comparing Progressive’s rates with those from GEICO and USAA to make sure you’re receiving a competitive price.
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GEICO: Best Discounts
GEICO is a good choice for nearly all drivers, especially students and those in the military. The insurer offers DriveEasy as a form of usage-based insurance in just over half of the U.S. GEICO also lets motorists purchase extra coverage types such as rideshare insurance, rental car reimbursement and roadside assistance.
USAA: Best For Military Families
Military members, their families and veterans should strongly consider picking up coverage from USAA. The company offers usage-based insurance through the SafePilot™ program as an easy way for policyholders to save money. Drivers can also add roadside assistance, classic car coverage and rideshare coverage as insurance products from USAA.
Progressive Discounts: FAQ
How much do you save when you bundle with Progressive?
On average, drivers save about 5% when they bundle their auto insurance and home insurance policies together with Progressive. This savings opportunity is typically known as a multi-policy discount.
Which provider is cheaper, Progressive or GEICO?
Whether Progressive or GEICO is cheaper mostly depends on your driving history and which discounts you’re eligible for. GEICO frequently has lower rates, but Progressive tends to have more competitive prices for those with a bad driving record.
Which insurance company offers the most discounts?
Farmers Insurance offers an extensive array of driver discounts, though it’s worth keeping in mind that you may not be eligible for all of them. Make sure to ask insurance agents about which discounts you qualify for to make sure you receive the maximum savings.
Does Progressive have a new customer discount?
No, Progressive does not have a new customer discount. It does offer savings for motorists who already held auto insurance before turning to Progressive, though.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account the types of insurance available, maximum coverage limits, and add-on policies.
Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.