How to avoid paying your car insurance deductible

Your deductible is the amount you pay when you file a claim before your insurance coverage kicks in. Deductible amounts generally range from as low as $100 to as high as $2,000. When you select a disappearing deductible option, your insurer will typically reduce your deductible for each policy period that you don't file a claim. This decrease can either be a percentage or a set dollar amount. Every time you renew your policy without filing a claim, your deductible decreases until you get to $0.

How does Progressive's Deductible Savings Bank coverage work?

If you purchase our Deductible Savings Bank coverage, we'll subtract $50 from your policy's comprehensive or collision deductible for each six-month auto policy period that you go without an accident or violation.

If you insure your RV, boat, or motorcycle with us and buy Deductible Savings Bank coverage, we'll subtract $100 from your policy's comprehensive or collision deductible for each annual policy in which you're accident or violation-free.

If you file a claim, you pay the reduced deductible amount. If you choose to continue the coverage, your Deductible Savings Bank amount resets and you'll keep earning the $50 benefit for each policy period in which you have no accidents or violations.

How much is disappearing deductible coverage?

The cost for a disappearing deductible option is generally affordable but depends on your insurer.

Looking for additional ways to save on your auto policy? Check out our numerous driver and loyalty based discounts.

How to add disappearing deductible coverage

New Progressive customers

Call 1-866-749-7436 or quote online and find out if our Deductible Savings Bank coverage can be added to your new policy.

Current Progressive customers

to your policy or call us at 1-866-749-7436 and see if our Deductible Savings Bank coverage can be added to your policy.