Why Insurance Prices May Vary

Some people prefer to shop for car insurance online for the convenience and immediacy. Others prefer the in-person counsel and personal attention of an insurance agent/broker.

At Progressive, you can choose how you want to buy your car insurance or other vehicle insurance: directly from us online or by phone, or through an independent agent/broker. Car insurance prices and the prices of other insurance products could vary depending on how you buy.

Since the Direct Business and the Agency Business make independent decisions about the expenses they incur and the prices of their products, buying direct or through an agent could result in different car insurance prices for Progressive policies.

If you buy through an agent/broker, your car insurance price includes the commission paid to the agent/broker for selling the policy. If you buy directly from Progressive, the price reflects the cost of building, staffing and maintaining the sales centers and marketing costs of the Direct Business.

Because each group makes different decisions about their businesses that result in different prices, you won't know which company provides the lowest car insurance price for you until you obtain a quote from our Agency Business and from our Direct Business. An agent/broker may provide the lowest price for some customers, while the direct price may be lower for others.

With any Progressive policy, you still receive the benefits and services Progressive offers to all its customers, including unparalleled 24/7 customer, claims and online service.