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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.

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