If your claim’s value is less than $500 as a result of a “small accident,” the company won’t raise your premium. If there’s a “large accident,” a claim whose value is greater than $500, and you are at fault, Progressive will forgive the accident the first time it occurs. For this program to kick in, though, Progressive must have insured you for five years or more and you must be accident-free for at least three.
You can also purchase an accident-forgiveness benefit for an additional fee that applies once per period and only after you have exhausted your loyalty-based forgiveness benefits.
Progressive adds accident forgiveness to policies automatically in Arizona, Indiana, Iowa, Missouri, Oregon, Texas, and Wisconsin. You can use it only once.
Deductible Savings Bank
You can opt into this policy add-on when you purchase coverage. If you remain accident-free and do not get a speeding ticket over the first six-month coverage period, you’ll earn a $50 reduction on your deductible. The reduced deductible applies at the start of each new policy period. The deductible can decline all the way to zero for safe drivers.
This program is available in all states except California, Georgia, Hawaii, Idaho, New York, and North Carolina.
If you’re a rideshare driver and purchase rideshare insurance, Progressive will expand your personal auto policy every time you activate your ridesharing app. Your coverage will be engaged even while you’re waiting for a fare, whereas some other insurance companies provide coverage only for the period between picking up a fare and dropping off a customer. Progressive’s rideshare insurance runs as little as $6 per month, and rules for participation vary by state.
You can request roadside assistance on the Progressive smartphone app. The service includes towing, lockout help, flat-tire changes, and fuel delivery. Roadside assistance is available in all 50 states and the District of Columbia, though policy terms may vary.
Pet Injury Coverage
Collision coverage includes pet injury coverage, which pays for veterinary bills if your pet is injured in a car accident. Deductible costs vary between $50 and $1,000, and this coverage is available in every state except New Hampshire.
You can use your Google Home device to ask Progressive’s digital voice assistant a variety of insurance-related questions, including how to get a car insurance quote. You can even log in to Facebook Messenger and get a quote from a Flo chatbot or ask her questions about your insurance.
Rental Car Reimbursement
Get rental car insurance coverage ranging between $30 and $50 per day for a rental if your car was in an accident and is being repaired under a covered claim. Rental car reimbursement is available in all states except Massachusetts, North Carolina, and Virginia.
Custom Parts and Equipment Value
This option pays for the replacement of parts you’ve added to your car, such as new speakers. It’s available in all states except North Carolina and Virginia.
If you’re in a major accident, loan/lease payoff insurance will pay for the difference between your totaled car’s market price and the amount you have left on your loan for up to 25 percent of the car’s current value. This program is available in all states except New York, North Carolina, and Virginia.