Progressive Insurance Canada Review

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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 12, 2024

Visit author page

7 minute read

Article Contents

Progressive Insurance Review

Being classified as a high-risk driver can result from various factors, such as a history of traffic violations, including speeding or parking tickets, accidents, DUI/DWI offences, being a young driver, or having poor credit. While many insurance companies hesitate to cover drivers with serious offences like DUI/DWI, Progressive Insurance offers coverage to such individuals, making it a notable choice for high-risk drivers. Featured on CNBC Select’s list of the best car insurance companies for high-risk drivers, Progressive is recognized for its willingness to insure drivers with severe violations, albeit at higher premiums. The company also provides Accident Forgiveness programs aimed at preventing rate increases after an accident. Serving over 18 million people in the U.S., Progressive offers a wide range of insurance products.

When customers purchase a policy online with Progressive, they can expect:

  • Insurance coverage for drivers with challenging driving histories, including frequent claims, driving violations, impaired driving incidents, and license suspensions.
  • 24/7 claims support, assisting whenever needed, day or night.
  • Ease of filing a claim using their innovative app or website.

Progressive Insurance has grown to be among the largest and most recognized insurers in the U.S. and abroad. However, it’s important to note that Progressive Insurance quotes and coverage are not available in Canada.

A Brief Company History

Established in 1937 by Joseph Lewis and Jack Green, Progressive quickly made its mark in the auto insurance sector by offering coverage to high-risk drivers, a specialty it embraced in 1956. Under the leadership of Peter B. Lewis, the company underwent a significant transformation in 1965 through a leveraged buyout, leading to remarkable growth. By 1987, Progressive’s written premiums exceeded $1 billion, which soared to $20 billion by 2016. Progressive has consistently been at the forefront of innovation, being the first in the industry to launch a website for policy purchases, utilize mobile technology for policy management, and offer 24/7 claims reporting. Since going public in 1971, Progressive, headquartered in Mayfield Village, Ohio, has evolved into one of America’s leading car insurance providers, known for its pioneering immediate claims service and online quote comparison.

The brand has become iconic, partly thanks to Flo, its well-known advertising character, and unique offerings like the “Name Your Price” tool, underscoring its commitment to transparency and customer-centric innovation.

Why Choose Progressive Car Insurance

Progressive Insurance stands out in the American auto insurance market with its innovative and customer-centric approach. The company ensures that customers can access a wide range of coverage options. Progressive goes beyond the basics by offering additional coverages such as comprehensive, collision, and accident forgiveness, all accessible through its user-friendly online platform. These features underscore Progressive’s commitment to providing flexible and tailored insurance solutions that resonate with the modern driver’s expectations. Some other things that make Progressive stand out:

Affordable Coverage Tailored to Your Needs

Progressive presents various car insurance discounts, such as incentives for going paperless and a tool for comparing rates to secure the best deal. Customizable coverage options suit various needs and budgets, with loyalty rewards programs offering benefits over time, such as accident forgiveness and discounts for teen drivers.

Technology-Driven, Customer-Focused Insurance Solutions

Innovative technology like the Snapshot program personalizes rates based on driving behaviour, making insurance more affordable and tailored. The Progressive Insurance app facilitates easy access to ID cards, roadside assistance, and claim filing, with the option for photo-based claim estimates for convenience.

Commitment to Social Responsibility and Transparency

Choosing Progressive means supporting a company that prioritizes environmental sustainability, fosters an inclusive culture, and engages in community outreach. Progressive embodies its name through a business approach that aligns with core values, ensuring success is achieved responsibly.

Pros and Cons of Buying Progressive Car Insurance

A closer look at Progressive Insurance unveils a wide range of features and services tailored to meet the varied requirements of American drivers. This overview presents the advantages and potential drawbacks of selecting Progressive for your car insurance, offering insights into how the company’s offerings may align with your specific insurance needs and preferences.

  1. Affordable Coverage Options: Progressive provides various discounts, including for paperless billing and through a rate comparison tool, alongside customizable coverage to fit different needs and budgets. Loyalty rewards enhance benefits over time, such as accident forgiveness and teen driver discounts.
  2. Technology-Driven Solutions: The Snapshot program adjusts rates based on driving behaviour, while the Progressive app offers convenient access to ID cards, roadside assistance, and claims filing, including photo-based estimates.
  3. Social Responsibility: Progressive emphasizes environmental sustainability, inclusivity, and community engagement, reflecting its commitment to responsible and transparent business practices.
  4. Positive Consumer Reputation: Generally receives 3-4 stars on review sites, indicating a customer-friendly approach.
  5. Extensive Coverage Selection: Offers a broad range of insurance products, from car and ATV insurance to home, renters, life, and pet insurance through affiliates and commercial auto insurance.
  1. Potentially Higher Premiums: Premiums may be higher for non-high-risk drivers than other insurers.
  2. Snapshot Program Concerns: The Snapshot program might increase rates for some drivers based on their driving habits.

Progressive Auto Insurance Discounts

If you qualify, the following car insurance discounts from Progressive are your way to save on your car insurance:

Bundle Discounts

Save an average of 4% by bundling auto with property insurance (homeowners, renters, or condo), with additional multi-policy discounts averaging 5% for insuring RVs, boats, motorcycles, etc.

Multi-Car Discount

Insuring more than one car on the same policy can save an average of 12%.

Teen Driver Addition

Savings are available when adding a teen driver to the policy.

Good Student Discount

Maintaining a “B” average or better can save 10%.

Snapshot Program

Safe drivers participating in Progressive’s Snapshot can save an average of $156 annually.

AutoQuote Explorer

Offers a free car insurance quote and rate comparison across insurers for additional savings.

Name Your Price Tool

Allows customers to set their insurance budget and explore coverage options within that price range.

Progressive Insurance App

The Progressive app streamlines insurance management, putting policy details and proof of insurance within easy reach. Through the app, users can access a wide range of features:

  • Policy Information: Directly access coverage and policy specifics for all drivers and vehicles.
  • Billing/Payments: Offers various payment options, including credit card, debit card, and checking account.
  • ID Cards/Documents: This lets users view, save, share, and print their ID cards directly from their smartphone.
  • Claims Center: Simplifies the claim process by allowing users to report claims, upload photos, and track the status of their claims.
  • Roadside Assistance: Provides timely roadside support for those unexpected moments.
  • Explore Products: Users can discover the full range of products available for insurance and initiate quotes for new coverage.

App Availability and Compatibility

Available on both the App Store and Google Play, the Progressive app caters to most customers but may exclude those with older devices or outdated operating systems.

Easy Account Creation and Access

New users can sign up for an online account via the app, while existing users can access their accounts with their website credentials. This unified account system simplifies access across Progressive’s app and website.

Biometric Login Options

Progressive’s app supports fingerprint and facial recognition login on compatible Apple and Android devices, enhancing security and convenience for users. Eligible devices will display this option on the app’s login screen.

Supported Policies for Self-Service

The Progressive app allows self-service for various policies, including Auto, Motorcycle/ATV, Boat/PWC, RV/Trailer, Mobile Home, and Snowmobile, with limited functionality for Commercial Lines sole proprietor policies. However, it does not support the management of Home, Renters, Condo, and Umbrella policies.

Additional Insurance Services Provided by Progressive

Beyond car insurance, Progressive extends its services to a variety of property insurance options, catering to different needs:

Secure your home and possessions against damage from specific perils with homeowners insurance from Progressive. This coverage protects your physical assets and liability for injuries or property damage to others. If a covered loss makes your home uninhabitable, your policy may also cover the increased living expenses. Obtain a personalized homeowners insurance quote online from Progressive today.

Progressive’s condo insurance safeguards your personal belongings and the interior features of your condo, such as cabinets, flooring, and countertops, along with providing personal liability and temporary living expenses coverage in case of a covered loss. While the condo association’s master policy covers external structures and common areas, it typically does not cover your condo’s interior or personal property.

Progressive also provides cost-effective renters insurance to safeguard personal items, including coverage for medical expenses if someone is injured in your residence and additional living costs if your rental becomes uninhabitable. Explore renters insurance options online with Progressive for tailored coverage.

With Progressive’s business insurance, safeguard your enterprise against financial losses stemming from accidents, property damage, professional mistakes, and workers’ compensation claims. Ensuring you have the right coverage is essential to mitigate the impact of claims against your business.

Life insurance from Progressive provides a financial safety net for your loved ones in the event of your passing. This contract ensures that provided the premiums are paid, and the policy is active at the time of death; your beneficiaries will receive a death benefit payout to use as needed, whether for final expenses, debt settlement, or daily living costs.

Progressive’s insurance products are designed to meet the diverse needs of property owners, renters, and landlords, providing comprehensive coverage and peace of mind.

How To Submit A Claim With Progressive Insurance

You can contact the Progressive team using any of the options below.

Contact by phone

You can contact them at anytime 24/7

Website

Feel free to contact the team by phone

Website

File a claim by visiting the Progressive website

Commonly Asked Questions About Progressive Insurance

Is Progressive Insurance available in Canada?

Currently, Progressive Insurance does not offer policies in Canada. There’s no contact information or office for Progressive Insurance in Canada, but future expansion into the Canadian market is possible.

Can I use my Progressive Insurance policy in Canada?

If Progressive insures you in the U.S., your coverage extends to Canada for personal and rental vehicles during your trip.

How effective is Progressive at handling claims?

Progressive scored 870 out of 1,000 in the 2023 J.D. Power Auto Claims Satisfaction StudySM, slightly below the industry average. Nonetheless, its strong financial rating from AM Best ensures its reliability in claim payouts.

What is the average time to resolve a claim with Progressive?

Industry-wide, the average time to settle a claim is about 23 days, according to the 2023 J.D. Power study.

Does Progressive offer high-risk insurance?

Progressive offers competitive pricing for individuals with DUIs, specializing in high-risk insurance for those facing challenges in securing coverage due to accidents or violations.

Can I cancel my Progressive Insurance policy?

Progressive policies can be cancelled at any time via phone, mail, or email, with options for immediate or scheduled cancellation. Prorated refunds are issued for any prepaid, unused coverage.

Where is Progressive Insurance based?

Progressive, headquartered in Mayfield, Ohio, operates throughout all 50 U.S. states.

Who owns Progressive Insurance?

Vanguard Group, BlackRock Fund Advisors, and Wellington Management own most of Progressive Insurance.

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