Best Progressive Car Insurance Discounts in 2024 (Save 30% With This Company)

The best Progressive car insurance discounts can offer serious savings, helping drivers cut costs by up to 30% on premiums. With options like a 10% multi-car discount and $50 off for signing up online, Progressive provides accessible ways to reduce your rates.

Does Progressive have accident forgiveness? Yes, they offer accident forgiveness for eligible drivers, helping you avoid rate increases. Additional perks, such as accident forgiveness and the Snapshot program, further enhance savings for safe drivers. Explore all available discounts to find the most affordable and tailored coverage options.

Our Top 10 Picks: Best Progressive Car Insurance Discounts

Progressive stands out with its focus on digital access, making it easy for customers to manage their policies online. With a range of discounts tailored to different needs, Progressive helps drivers save without compromising coverage.

Discover the benefits of Progressive’s unique discounts and digital convenience. Avoid overpaying for insurance. Enter your ZIP code above to compare affordable premiums from top providers and begin saving today.

Essential Eligibility Criteria for Maximizing Progressive Car Insurance Discounts

Understanding the core eligibility requirements is essential to make the most of Progressive’s savings opportunities. Progressive offers discounts to reward safe driving, policy bundling, and other customer-friendly actions. Below are some baseline criteria to qualify for these discounts:

• Good Driving Record: Maintaining a clean record is crucial for safe driving discounts, Snapshot program eligibility, and accident forgiveness.
• Multi-Policy or Multi-Vehicle Ownership: Progressive offers discounts for those who bundle multiple insurance policies (e.g., auto and home) or insure multiple vehicles.
• Digital Enrollment: Completing your enrollment or paying online can lead to additional savings, including discounts for e-signing and online quotes.
• Payment Options: Paying your premium in full upfront often unlocks extra discounts.
• Affiliation-Based Eligibility: Membership in specific organizations like AAA or AARP may also qualify policyholders for additional discounts.

These requirements provide a pathway to unlock Progressive’s most significant savings opportunities. Customers can tailor their policies to fit their needs by meeting one or more of these criteria while minimizing costs.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Available Savings Opportunities With Progressive Car Insurance

So, you’re wondering what car insurance discounts are available through Progressive. Progressive offers many car insurance discounts because the company realizes that helping its policyholders save money makes them more likely to stay with the company.

The average cost of Progressive car insurance is $336.29/month, but multi-policy and safe driving discounts may reduce your rates by up to 50%.

• Progressive insurance offers a variety of different insurance policy options.
• The e-sign car insurance discount gives a $50 discount when initially signing up for Progressive insurance online.
• The pay-in-full discount offers a discount for any policyholder who pays their car insurance premium in one lump payment.

Asking, “Does Progressive have a multi-car discount?” The answer is yes. Progressive insurance offers multiple car insurance discount opportunities for current and potential policyholders. Some discounts include a multi-car discount, a pay-in-full discount, and accident forgiveness discounts.

The accident forgiveness discount is available to policyholders who have had a Progressive car insurance policy for four years and have remained accident-free for three of those years in a row. This Progressive accident forgiveness feature ensures that if you have a qualifying accident, your rate will not increase.

After this period, if the policyholder is in an accident, their car insurance rate will not go up, regardless of whether they are responsible for the accident. This accident forgiveness Progressive benefit protects policyholders from rate increases after their first accident. The e-sign car insurance discount gives the policyholder a $50 discount when signing up for Progressive insurance online.

The pay-in-full discount is a special discount for a policyholder who pays their car insurance premium in one lump payment instead of monthly, as most people do. Progressive offers many other car insurance discounts, which the company will tell you more about if you become a policyholder. These other discounts are not listed on the company’s website.

After choosing the car insurance company with the best car insurance rates, discover how well your company rates among others. Visit the A.M. Best Company website to see how highly your car insurance provider is rated. For example, Progressive has an A.M. Best rating of A+ Superior.

Discount Opportunities With Progressive Insurance

Let’s assume you’re in the market and are finding it challenging to find the rate that’s just right for you. You’re looking at Progressive and asking, “How do I get cheap Progressive insurance?” Progressive car insurance offers standard discounts and those specific to your state.

Many insurance competitors offer some of the same discounts; however, it is the whole package that makes your policy exclusive to your needs. If you are seeking further Progressive discounts, Reddit users suggest you go to your Progressive Snapshot login, which offers a way to maximize potential discounts. The following is a list of Progressive insurance discounts:

• Advanced premium payments
• Multi-policy
• Multi-car
• Club or organization affiliations
• Good driver

When you pay your premiums in advance, you will receive a discount whether you pay for the whole year or several months in advance. You are also eligible for a multi-policy discount if you bundle your house and car insurance with Progressive.

Multiple-line insurance discounts can be even more specific. If you have auto and boat insurance, one of those policies will have a discounted rate. One policy will be discounted if you have auto and motorcycle, auto and RV, or any combination of Progressive policies. The best bet is to have the home above and car combination.

Many ask, does Progressive offer a bundle discount? Yes, bundling policies can significantly reduce overall premiums. In this instance, the discount is doubled. For the other combinations, there is a set discount on only one policy. With this, you’ll get a discount on both the home and auto policies. You do not have to bundle policies to get a homeowner-related policy. Owning your home, even if another company insures it, gives you a discount.

The following table compares Progressive’s multiple policy discounts with comparable discounts of other companies, should they have one.

Multi-Policy Car Insurance Discount by Company

Read more: What discounts does The Hanover offer?

As you can see, all but one company, Safe Auto, offers a multi-policy discount. That is only because Safe Auto does not offer more than one policy type. At 12%, Progressive stands towards the middle of the pack. Before we move on to non-standard discounts, the following chart shows all of Progressive’s standard discounts.

Standard Car Insurance Discounts Offered by Progressive

Read more:

• Driving Device/App Car Insurance Discounts
• Electronic Stability Control Car Insurance Discounts

There are many discounts available. Some are focused on safety features installed in the vehicle, the safety history of the driver, and loyalty, but more on that later.

Multi-car discounts are not just for individuals who happen to own two vehicles. Any car kept primarily at your home address can be added to the policy. This means it can belong to a spouse, a family member, or even a roommate.

Individuals and businesses with multiple vehicles will receive discounts as well.

This is especially helpful for small transportation businesses with fleets. Your AAA and AARP membership entitles you to a club and organization discount and, if you are a good driver, you have your pick of insurers. The following table compares Progressive’s multi-vehicle policies with those of its competitors, including whether they should offer a discount.

Multi-Vehicle Car Insurance Discount by Company

As you can see, every company saves for one, and Allstate offers multi-vehicle discounts. So, how does Progressive stack up against the competition? Of the percentages available, it is towards the bottom. Progressive’s available discount is higher than three companies’, tied with one, and lower than eight. Geico offers the highest discount, 25%. The Hanover and The Hartford offer the lowest discount, 5% each.

Explore more information on the best Geico car insurance discounts.

Continuous insurance discounts also carry potentially beneficial stipulations. Progressive even looks at your loyalty to competitors. This makes it easier to switch, benefiting from various discounts Progressive offers for new and long-time policyholders. So, if you had benefits given due to policy-holding longevity and decided to switch to Progressive, they’ll take note.

The actual value of the continuous insurance discount provided by Progressive will be dependent upon how long you have been insured sans gaps or auto insurance policy cancellations.

The students in your family will be interested in the Progressive good student discount. The Progressive good student discount is available for students who meet academic criteria, potentially saving families money on their premiums. Proof is required, however. The good student discount is for those 22 or younger who maintain a “B” average or better.

Additionally, the Progressive safe driver discount rewards policyholders with clean driving records. Progressive student discount options are available for eligible students, including those studying far from home.

There is also a distance student discount. This is for full-time students on your policy who are more than 100 miles from your residence. However, they must not have a vehicle while away at school.

Should you find yourself to be a Progressive employee, keep in mind that Progressive employee discounts are well worth looking into as well. And now for the “non-standard” discounts.

Non-standard discounts are becoming more common to many insurers as a way to attract good drivers or an increased number of drivers.

Some of the newer additional discounts are as follows:

• Progressive Accident forgiveness
• E-sign
• Disappearing deductible
• Snapshot

These discounts are fairly new to the industry and Progressive, and they have proven to be effective. If you encounter your first accident, Progressive will not penalize you by raising your auto insurance rates. Progressive has both small accident forgiveness and large accident forgiveness. Small accident forgiveness means Progressive will not raise one’s rate for claims less than $500.

Large accident forgiveness is for those who have been with Progressive for at least five years. These individuals must not have had an accident in the last three years.

Defensive Driving Savings Options With Progressive

It is fair to ask yourself “Does Progressive insurance offer discounts for defensive driving?” Fortunately, the Progressive defensive driving discount is available for qualifying drivers who complete an approved defensive driving course.

Disappearing deductibles are 25% price reductions for every policy period that is claim-free until policy renewal.

For example, if one’s collision deductible were to be $1,000, and they have filed zero claims up to the point of their policy renewal, the new deductible would be $750. Different insurers use different names for lower deductible savings. For every 12 months that you go without an accident, your deductible will decrease.

Good drivers can also take advantage of the Snapshot program Progressive offers by enrolling online when you request your quote. Progressive representatives will send you a device that you install in your car that takes pictures of you as you drive (hopefully, using good driving habits). After 30 days, you could be entitled to as much as 30% off your premiums.

This type of program does record driver information, and you may have privacy concerns. The National Highway Traffic Safety Administration (NHTSA) monitors these issues if you’re looking for peace of mind.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Progressive Car Insurance Loyalty Rewards

When you initiate your Progressive policy, you are automatically enrolled in the Loyalty Reward program. Progressive loyalty rewards provide additional savings opportunities, rewarding long-term policyholders. You do not have to do anything, nor does it cost you anything extra. The longer you are a Progressive policyholder, the more discounts you become eligible for.

Current policyholders may also qualify for Loyalty Rewards.

You may log into your Progressive online policy to determine your eligibility. New online conveniences make it easier to make payments, changes, and renewals, any time of the day or night, any day of the week.

The Progressive website has several tools to make the consumer’s life easier. First, they allow you to compare auto insurance rates with competitors. They will show their rate first, at which point you can compare the shown rate to the rates of competitors.

Furthermore, their website allows you to search for agents by state for Progressive car insurance. Utah, for instance, then allows you to search further, such as for Wichita Falls, which will then show you a specific agency.

They also have what is known as the “Name Your Price Tool.”

With this, the consumer tells Progressive what they would like to pay. From there, Progressive will show them a range of coverage levels that could fit their budget.

Read more: Progressive Name Your Price Tool Review: Compare Rates, Discounts, & Requirements

Savings Options for High-Risk Drivers Through Progressive

Can I get car insurance as a high-risk driver? As a high-risk driver, you can surely use all the discounts that are available. High-risk drivers are also considered non-standard drivers. These drivers may have SR-22, multiple offenses, or credit blemishes. It may be hard to afford the astronomical premiums required by this group of drivers. What is SR-22 car insurance?

SR-22 insurance is proof of financial responsibility that you need in most states when you meet certain high-risk insurance qualifications.

How can I lower my Progressive car insurance even if I’m high-risk? Progressive accommodates the high-risk insurance group with the flexibility of various payment options. Instead of paying one monthly lump sum, you can make bi-monthly payments. You may even be able to make your down payment in increments, as well as negotiate your rate.

Progressive Discounts for Various Vehicle Types

Although more than 90% of Progressive Direct Insurance’s business consists of personal car and truck owners, the company also serves small businesses and the recreational vehicle market. Other types of vehicles covered by Progressive include:

• Boats
• RVs
• Motorcycles
• Segways
• Snowmobiles

You can go onto the company’s website to get auto insurance quotes on these vehicles. Reviews and other information may encourage you to choose Progressive Direct as your family’s car insurance company.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Progressive’s Evolution: A Historical Overview

Progressive insurance was founded in Ohio more than 70 years ago by both Joe Lewis and Jack Green. Over the past few decades, this company has continued to grow and today is one of the most recognized insurance companies in the United States.

The annual revenue for Progressive insurance was $15 billion in 2010 and the company is responsible for employing over 27,000 people.

Progressive is also a publicly-traded company that is listed on the New York Stock Exchange as PGR. With more than 10 million policies, Progressive is one of the biggest car insurance companies in the United States.

Progressive is a competitor to the other leading car insurance providers like Allstate Insurance, State Farm Insurance, the Farmers Insurance Group, USAA Insurance, and Nationwide Insurance. One of the main things that sets Progressive apart from some of these other car insurance providers is that it mainly sells its insurance policies over the internet.

This company also sells many policies via independent insurance companies and over the phone. Progressive currently has more than 30,000 independent insurance agents representing the company.

An independent insurance agent works much differently than a private insurance company because they can try to sell many different kinds of insurance plans from many different insurance companies.

Independent agents are not as limited as private insurers. Progressive is most often recognized by its commercials.

The Progressive spokeswoman, Flo, shows fictional customers that by using the Progressive website they can customize the insurance they need, name their own price for insurance, and compare Progressive’s insurance rates to the other leading car insurance companies.

Read More: Who is Flo from the progressive commercials?

Progressive’s Diverse Insurance Offerings

Progressive insurance offers much more than just car insurance. The other types of insurance that Progressive offers include:

• Health insurance
• Life insurance
• Collector car insurance
• Pet insurance
• Snowmobile insurance
• RV insurance
• Boat insurance
• Home insurance
• Motorcycle insurance
• Umbrella insurance
• Commercial car insurance
• Condo insurance
• Renters insurance

The Progressive pet insurance coverage is a fairly new insurance coverage type that has only been offered since 2007. This type of insurance coverage is fairly new to the market but is becoming increasingly popular. The personal insurance industry has recognized that their policyholders have a strong love and dedication to their pets and that pet healthcare costs can often become hard to handle financially.

Progressive car insurance already comes with a $1,000 pet injury coverage that is included for free with the collision coverage option. This Progressive collision coverage includes benefits like pet injury protection, adding more value for policyholders.

Some of the things covered by this insurance program include prescription medication, illnesses, hospitalization, cancer treatments, MRIs, annual exams, vaccinations, X-rays, after-hours emergency care, teeth cleanings, and chiropractic care.

With their supplemental car insurance coverage options, Progressive offers roadside assistance, rental car reimbursement, and custom parts and equipment coverage. Progressive also provides an app and an easy-to-use website where you can pay bills and make insurance claims.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Making the Most of Progressive’s Discounts and Coverage Options

Whether you are looking for a multi-policy discount or defensive driving discount, Progressive will most likely have programs to help save you money on your car insurance. We hope this article has given you all the information you need on Progressive car insurance discounts. If you want to learn more about its insurance, read our Progressive car insurance review.

Read more: How do you get Progressive car insurance quotes online?

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption