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• Are Progressive's online rates the same as rates from an agent?
• How can I make payments?
• Is my payment accepted immediately?
• What happens if I mail a payment on the due date?
• How does Progressive determine my insurance rate?
• How can I receive rates for other car insurance companies?
• Why did my rate change after I received a quote?
• Does anyone regulate what you charge for insurance?
• Do all auto insurance companies offer the same coverages and discounts?
• Are auto insurance companies regulated?
• Why are Progressive rates from an agent different than rates provided online or by phone?
• Why should I choose Progressive?
• How much insurance coverage do I need?
• How do I know if I chose the right coverages?
• What if I have a question about coverages during my quote?
• Can I add or remove coverages in the middle of my policy?
• How quickly do changes I make go into effect?
• Do I need to start a new policy to add a driver or vehicle?
• Can I make changes to my policy online?
• Can I call to make changes to my policy?

Are Progressive's online rates the same as rates from an agent?

No. Buying direct or through an agent could result in different prices for Progressive policies because those areas of our business make independent decisions about the expenses they incur and the prices of their products.

If you buy through an agent/broker, your rate includes the commission paid to the agent/broker for selling the policy. If you buy directly from Progressive, the rate reflects the cost of building, staffing and maintaining the sales centers and marketing costs of that aspect of our business.

Regardless of how your purchase your Progressive policy, you'll always receive the benefits and services Progressive offers to all its customers, including unparalleled 24/7 customer, claims and online service.

How can I make payments?

• Online — Log in to our online customer service site to pay online.
• Mobile Text — Send a payment using your cell phone or mobile device.
• Phone — Call us to make a payment by phone.
• Automatic Payments — Set up an installment plan to automatically deduct your payment each month.
• Mail — Send a check with your monthly bill in the mail.

You can pay for your Progressive policy through the following means:

• Credit Card
• PayPal
• Online Check
• Personal check or money order
• Electronic Funds Transfer from your checking account

Is my payment accepted immediately?

If you make a payment online, by phone or by mobile phone, we will accept your payment immediately. If you have automatic payments set up, your payment will be accepted on the regularly scheduled date. If you mail your payment, we will note the postmark date on your envelope and consider your payment to be made on that date.

What happens if I mail a payment on the due date?

We consider the postmark date on your envelope as your payment date, so even if you mail a payment on the due date, your payment will be considered on time.

How does Progressive determine my insurance rate?

Progressive, like other insurers, groups customers based on similar characteristics, evaluates their claims experiences within these groups, and determines what to charge individuals with characteristics similar to members of the group. We charge a higher rate for customers more likely to have claims, and a lower rate for customers less likely to have claims.

We use insurance scores, and, depending on your state, we also consider your driving record, type of vehicle, where you live, your gender, your age and other factors.

How can I receive rates for other car insurance companies?

To receive rates for other leading auto insurers in your state, you must get a Progressive Direct car insurance quote first. Once you receive your quote, you can answer a few more questions to compare our rate with rates from other leading car insurance companies.

Why did my rate change after I received a quote?

Several factors could influence why your rate changed between the time you received your quote and the time you decided to purchase your policy. If it's been a few months since you received your quote, it's possible we revised rates in your area, which could decrease or increase the price you pay for auto insurance. If you received a quote recently, it's possible something on your driving record — or the driving records of others on your policy — prompted a change in the quoted price. Please contact us at 1-800-PROGRESSIVE (1-800-776-4737), and we can help answer your questions.

Does anyone regulate what you charge for insurance?

Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. Each state also has regulators who review that information and the rates companies charge.

Do all auto insurance companies offer the same coverages and discounts?

Definitely not. While many of the basic types of coverage — Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, Uninsured Motorist, etc. — are offered by major companies, discounts and specialized coverages can vary greatly between companies. For instance, not all companies offer Loan/Lease Payoff coverage, student discounts, good driving discounts, deductible reductions, etc.

Are auto insurance companies regulated?

Yes. Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. Each state also has regulators who review that information and the rates companies charge.

Why are Progressive rates from an agent different than rates provided online or by phone?

Buying direct or through an agent could result in different prices for Progressive policies because those areas of our business make independent decisions about the expenses they incur and the prices of their products.

If you buy through an agent/broker, your rate includes the commission paid to the agent/broker for selling the policy. If you buy directly from Progressive, the rate reflects the cost of building, staffing and maintaining the sales centers and marketing costs of that aspect of our business.

Regardless of how you purchase your Progressive policy, you'll always receive the benefits and services Progressive offers to all its customers, including unparalleled 24/7 customer, claims and online service.

Why should I choose Progressive?

Since 1937, Progressive has provided car insurance to customers across the country. We also offer motorcycle insurance, boat insurance, RV insurance, commercial auto insurance, homeowners insurance and more. Today, we're one of the largest auto insurance groups in the country, and we've earned that spot through competitive insurance rates and superior customer and claims service. We're consistently recognized for our success as an innovator, too.

How much insurance coverage do I need?

Your individual needs and situation should dictate how much insurance you need. When you're trying to determine how much insurance to buy, here are a few factors to think about:

• How much can you afford to pay out of pocket? (Choose a deductible that you know you can pay out of pocket. Also, if you choose lower limits, you might be personally responsible for damages that exceed those limits. Consider whether you can afford this possibility, too.)
• Do you make payments on your car? (If you do, you may be required to have Comprehensive and Collision in addition to Liability coverage.)
• What type of vehicle do you drive? (It's wise to have higher limits for vehicles, such as large SUVs, that can cause more damage.)
• Do any drivers live in your house but never drive your vehicles? (You can exclude them from coverage on your policy, which means you won't have to insure them on your policy.)

Remember, you can always call us 24/7 if you have any questions about coverage. We can answer any questions and help you decide before you buy.

How do I know if I chose the right coverages?

During your Progressive quote, you won't be able to select coverages that don't apply to you. If you're unsure about what optional coverages to select, you can use the coverage help we provide during your online quote, or you can speak directly with a representative who can answer your questions. Either way, we'll make sure you're satisfied with your Progressive policy.

What if I have a question about coverages during my quote?

If you're getting an online quote, you can refer to help we provide within the quote. You also can select our Talk to Me option, which allows you to request live help from a licensed insurance representative. If you're getting a quote by phone or through a local independent agent, you can ask questions throughout the quote.

Can I add or remove coverages in the middle of my policy?

Yes — it's easy to change your policy, too! You can log in to your policy 24/7 to add or remove vehicles or drivers, change addresses, pay bills, and more. Or, call us 24/7 at 1-800-PROGRESSIVE (1-800-776-4737) and a Progressive insurance representative can help you. Keep in mind that some changes will affect the price you pay for insurance, so your premium may change.

How quickly do changes I make go into effect?

If you make a change to your policy, the change can be effective immediately, or in some situations, you can choose the effective date. Certain restrictions may apply to some changes, so call us at 1-800-PROGRESSIVE (1-800-776-4737) for further assistance if needed.

Do I need to start a new policy to add a driver or vehicle?

No. You can simply update your current policy to reflect your current situation. We'll help you with any changes, too.

Can I make changes to my policy online?

Absolutely. Our easy-to-use online customer service site lets you make changes to your policy any time.

Can I call to make changes to my policy?

Yes. Progressive representatives are available to help you 24/7 at 1-800-PROGRESSIVE (1-800-776-4737).