History of Progressive Insurance

Progressive insurance is an American Insurance Company that was founded in 1937 by the duo of Jack Green and Joseph M. Lewis with its headquarters in Mayfield, Village Ohio. The motto of the insurance company is people who risk, learn and grow. The areas of interest includes but not limited to passenger vehicles insurance, motor bikes, home insurance, pet, life and other sundry insurance policies. The company is the third-largest personal auto insurer in America.

Similarly, Progressive insurance earned 5 stars out of 5 for overall performance. The criteria include consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

As the country’s third-largest Auto insurance company, Progressive insurance offers insurance for just about anything that has to do with motor. It offers huge amount of discounts. And as well as wide varieties of coverage, including life insurance, medical and coverage for pets that sustains injury in an accident.

In other words, if your pet sustains injury in a car accident and you have collision insurance with Progressive, the company will help pay your vet bills.



Progressive Insurance Auto Insurance Coverage

One of the major insurance policies that the company offers is the auto insurance policy. In this policy, the company offers discounts such as, distant student discount, multi-policy discount, multicar discount, discount for owning a home, discount for continuous auto insurance, even if it was with another company, discount for adding a teen driver, good student discount, , discount for getting an online quote for car insurance, discounts when you sign your policy documents online, Paperless discount, discount for paying up to six-months premium upfront, discount for setting up automatic payments from a checking account etc.


Consequently, when you’re shopping for auto insurance coverage, it is imperative you understand the level of coverage you are to enjoy and the coverage you want and what you are to buy. For example, most states require a minimum amount of auto insurance to drive a vehicle.

In the alternative, if you want extra protection, you may have to buy comprehensive package or get a rider. Thus, depending on your state, you may be able to add these types of coverage to your policy:

Progressive Gap insurance:

Here, progressive insurance will pay you up to 25% above the value of your car if it’s equal to cover a loan or lease balance. However, to enjoy this coverage and level of protection, you must purchase comprehensive and collision insurance coverage from the company Progressive.

Custom parts and equipment value

Under this coverage, the progressive insurance pays to fix or replace custom accessories you add to your car in the event they sustain damages in the happening of the risk or peril that enjoys coverage under the policy to an amount up to $5,000.

Coverage for pet injuries from progressive insurance:

This is the coverage that is inclusive when you buy collision coverage. Here, the company pays veterinarian bills up to a certain amount if your pet sustains injury in a car accident.

Deductible savings bank:

This is a package available for those that have comprehensive and collision coverage. Here, you can pay to opt in to this program that reduces your deductibles by $50 every six months when you do not make a claim.

Rideshare insurance

The rideshare insurance is available in progressive insurance in some states.  And it covers only the period between accepting a ride and dropping off a customer. This add-on insurance expands your personal auto policy any time you have the app on and as such, you enjoy coverage even between rides.


The company has over the years distinguished themselves in different aspects of insurance and some of them includes;

Insurance Coverage:

Progressive offers coverage types that other companies do not offer. These coverage include rideshare and gap insurance. It also includes free coverage to pay for veterinarian bills if your pet sustains injury as a result of an accident. However, this type of coverage is only available for customers who buy collision insurance.

Accident forgiveness:

Progressive also offers small accident forgiveness automatically and a bigger benefit through its loyalty incentive. Thus, customers can be forgiven for accidents with claims that are $500 or less. And drivers who are policyholders of Progressive for a period of five years or more with no records of accidents will not be liable for increase in payable premiums. Similarly, policyholders are also able to buy accident forgiveness and have more than one accident forgiven.


Two types of accident forgiveness are available without charge in progressive insurance:

Small accident forgiveness:  here, the company will not increase your premium for claims up to $500.

Large accident forgiveness: this is available for those who have been with Progressive for at least five years and with no records of accident for at least three of the years. In this event, the company will not increase your premium even when you make a large insurance claim.

Progressive accident forgiveness: This is also another type of accident forgiveness available for those who want to pay for an add-on coverage. You can purchase this benefit any time you buy or renew your policy, which forgives one accident per policy period.



The company has a record of fewer complaints in comparison to insurance company of similar ratings. And as such, has an increase in customer satisfaction.



There are still other types of policies that you can buy many types of insurance through Progressive. Here are policies that come directly from the insurer, aside from car insurance:

Umbrella insurance.

Dental and vision insurance.

Mobile home insurance.

Health insurance.

Travel insurance.

Insurance for driving in Mexico.

Business insurance.

Classic car insurance

Flood insurance.

Condo insurance.

ID theft insurance.

Pet insurance.

Phone and device insurance.


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