Certain car insurance coverages come standard. They limit out-of-pocket costs when you have an accident—plus, you have to have them (state law). A package of these basic coverages is included as an option in your Progressive quote.
Generally, the basic package includes Bodily Injury & Property Damage Liability and, in some states, coverages (sometimes referred to as uninsured motorist coverage) that can help protect you if you are hit by someone who doesn't have insurance, or doesn't have enough insurance.
Onto this foundation, you can add a personalized layer of coverage—if you want.