Affordable auto insurance that’s customized to you
We wrote the book on low price car insurance, but the story isn’t just about discounts. We’ll go a step further by giving you the power to tailor the quote to your budget and protection needs. We’ll also make sure you’ve maximized your savings opportunities with helpful hints below. That’s why you’re at the best place to buy cheap auto insurance online.
How can I get car insurance for cheap?
Name your price...or your coverages
Get a quote and we’ll prompt you to use our Name Your Price® Tool—the easiest way to get the price you want by telling us what you want to pay. We’ll show you the exact coverages that fit your budget.
Prefer to customize your quote by coverages instead of price? You can do that, too. Simply select your desired coverages and we’ll show you an exact price. Then see how increasing your coverage limits by $50,000 or $100,000 may only minimally increase your rate.
Know what’s on your driving record
Your driving history is arguably the biggest factor in your cost for insurance. Knowing when accidents and violations will fall off your motor vehicle report is a key part of getting affordable car insurance.
For instance, a moving violation affects your driving record for three years in most states. Once you know it has been three years since your ticket, there’s no need to wait for your current auto policy to expire. You can immediately quote a new policy that will no longer charge you for that violation. The same goes for an at-fault accident, which will typically affect your rate for three to five years (but can vary by state and carrier). In addition, Progressive offers discounts for being ticket- and accident-free.
Increase your deductible
The higher the deductible, the lower your rate. If you’re looking to bring down the cost of car insurance and don’t mind paying more out of pocket in the event of an accident, you can increase your deductible at any time during the life of your policy.
Keep in mind, 17% of Progressive drivers have a claim that requires them to pay a deductible.
|$250||$182 (27% lower)|
|$500||$129 (29% lower)|
|$1,000||$89 (31% lower)|
|$2,000||$84 (6% lower)|
This is an example of how changing the collision deductible impacts the collision price for a specific risk profile in Ohio, based on Progressive pricing as of 03/31/2017. This example is for illustrative purposes and does not reflect all pricing factors or your actual price.
Adjust your coverages
During your quote, decline the coverages you don’t need or drop them completely if they’re currently on your policy. You can also save by lowering your liability limits.
The biggest savings, however, come from dropping comprehensive and/or collision coverage. While your vehicle will no longer be protected against physical damage, it may not be worth paying for comprehensive and collision coverage if your car is paid off and worth less than a few thousand dollars.
You might have a roommate or family member on your policy that no longer drives your vehicles. Or maybe you have a vehicle on your policy that is no longer being driven. Making sure driver and vehicle information is up to date may save you money. Keep in mind, if you do go down to just one car on your policy, you will lose the multi-vehicle discount.
The best way to make sure you’re getting the best rate is to compare prices. We save you the legwork at Progressive by showing you competitor pricing with our rate comparison tool.
Earn a multi-policy discount
At Progressive, adding another policy means another way to save. If you have home, motorcycle, RV or boat insurance with us, you’ll get a multi-policy discount on your auto policy.† See more on bundling insurance.
Snapshot is a free program that personalizes your rate based on your ACTUAL driving. The safer you drive, the more you save. The average driver saves $130 with Snapshot.** You don’t even need to be a Progressive customer to try it. Just call us and request the plug-in device. After one month of safe driving, you’ll find out how much you can save with Progressive! See more on Snapshot.
Inexpensive car insurance you can count on
Over eighty years of insuring drivers has made us one of the most trusted names in the industry. We didn’t become the nation’s third largest insurer by simply offering cheap car insurance prices. We did it by offering 24/7 world-class customer support, and earning an A+ superior financial rating from A.M. Best when it comes to servicing claims. That’s why 4 out of 5 customers recommend Progressive.†† And that’s how we’ve earned the confidence of over 18 million drivers.