What Does Progressive Insurance Cover for Car Owners

As a car owner, you're probably wondering what kind of coverage you can expect from Progressive Insurance. One thing's for sure: Progressive offers a wide range of coverage options to protect you and your vehicle.

Comprehensive coverage is a must-have for car owners, as it covers damage to your vehicle from non-collision events like theft, vandalism, or natural disasters. With Progressive, you can even add coverage for things like road debris, falling objects, and even animal collisions.

Liability coverage is also a key component of Progressive's insurance policies, covering damages you might cause to others in an accident. This includes medical expenses, lost wages, and even funeral costs.

Auto insurance coverage is a crucial aspect of protecting your vehicle from unexpected events. Comprehensive insurance coverage, for example, protects your vehicle against damage caused by theft, vandalism, fire, and severe weather.

Comprehensive coverage is often confused with collision coverage, but they serve different purposes. Collision coverage pays for damages if you get into a collision, while comprehensive coverage pays for damages out of your control. If you can't afford to repair or replace your vehicle out of pocket, comprehensive coverage could be a smart move.

Here are some examples of events that comprehensive coverage typically covers:

Auto insurance coverage can be a bit confusing, but it's essential to understand what types of coverage are available to you. You can expect to get traditional auto coverages with any auto insurance policy, but Progressive Auto Insurance offers many other unique coverages to provide added protection.

Progressive Auto Insurance offers pet injury coverage, which will help pay for veterinarian bills related to injuries sustained by your pet in a car accident. They also provide custom parts and equipment value coverage, which includes an additional $1,000 worth of coverage for aftermarket parts or accessories damaged in a vehicle accident.

You can choose to participate in a program that will reduce your deductible by $50 for each six-month period that you are claim-free, if you are insured with both collision and comprehensive coverage. This is known as a deductible savings bank.

Progressive's policies also include gap insurance, which is designed to cover the amount of money you owe on your vehicle's loan or lease. If insurance totals your car and you owe more money than your vehicle is worth, gap insurance will pay you up to 25% over the car's actual cash value to help you satisfy your lenders.

Here are some of the types of comprehensive coverage available:

Comprehensive coverage can protect your vehicle from unexpected damage caused by theft, fire, and severe weather. It's often confused with collision coverage, but while both protect your vehicle, collision coverage is for damages caused by a collision, and comprehensive coverage is for non-collision events that are out of your control.

If you lease or finance a vehicle, many lenders require comprehensive coverage. It's also a good idea to consider comprehensive coverage if you have a high cash value vehicle or can't afford to repair or replace your vehicle out of pocket.

Uninsured/underinsured motorist coverage is a type of auto insurance that may pay for injuries to you and your passengers, as well as damage to your vehicle, if you're hit by a driver with no auto insurance or insufficient coverage.

Some states require this coverage, while others consider it optional. This can be a crucial difference, especially if you live in an area with a high number of uninsured drivers.

Rental car insurance coverage is an optional add-on that can pay for a rental car while your vehicle is being repaired or replaced after a car accident.

If you have Rental Reimbursement coverage, it will be available on qualified claims for up to 30 days while the claim is being resolved.

To determine if you have Rental Reimbursement coverage, review your policy documents or log in to your policy to view your coverages, which can be found on your Policy Summary page.

If you don't have Rental Reimbursement coverage, you can still get special pricing from rental car providers through your insurance company, but you'll need to ask your claims representative for more information.

Progressive Auto Insurance offers a variety of coverage options beyond the standard auto insurance policy. These include Pet Injury coverage, which helps pay for veterinarian bills if your pet is injured in a car accident.

Some other unique coverage options from Progressive include Custom Parts & Equipment Value, which provides an additional $1,000 worth of coverage for aftermarket parts or accessories damaged in a vehicle accident. Gap insurance is also available, designed to cover the amount you owe on your vehicle's loan or lease if it's totaled.

You can add comprehensive coverage to your policy at any time, and it's available for various types of vehicles, including classic cars, motorcycles, RVs, and boats. Comprehensive coverage protects your vehicle from unexpected events, such as theft, vandalism, or damage from falling objects.

There are also different types of comprehensive coverage available, including comprehensive auto insurance, comprehensive boat insurance, and comprehensive motorcycle insurance.

If you're looking to lower your auto insurance premium, taking advantage of available discounts is a great place to start.

One of the easiest ways to do this is by bundling your auto and homeowners insurance policies, which can gain you an additional discount.

You can also get a discount for paying your entire premium at once, instead of paying month-to-month.

Some other discounts include a safe driver discount, which is applied after three years with the company without a ticket or accident.

Additionally, owning a home can get you a discount, even if your homeowner's coverage is not through the same company.

Here are some of the available discounts:

A good student discount is available if you have a student driver on your policy and they maintain a B average or higher.

You can also get a discount for adding a driver under the age of 18 to your policy.

Rental Reimbursement Coverage is an optional add-on to your auto insurance policy. If you have this coverage, it can pay for a rental car while your vehicle is being repaired or replaced, regardless of fault.

If you purchased Rental Reimbursement coverage, it will be available on qualified claims for up to 30 days while the claim is being resolved. You can review your policy documents or log in to your policy to view your coverages and see if you have this coverage.

To determine if you have Rental Reimbursement coverage, check your Policy Summary page, which lists all your coverages. If you don't have this coverage, you can still get special pricing from rental car providers with your insurance company.

The cost of Rental Reimbursement coverage is not specified in the article, but it's worth considering if you want to have a rental car while your vehicle is being repaired or replaced.

Rideshare coverage is often required for rideshare drivers, as standard car insurance policies exclude coverage if you drive for a rideshare service.

Some insurers may require rideshare coverage if you drive for a rideshare company, so it's essential to check your policy.

Rideshare coverage extends protection beyond what's offered by your rideshare company, giving you peace of mind while driving for a service.

Progressive Auto Insurance offers a range of unique coverages to provide added protection, including Pet Injury coverage, which helps pay for veterinarian bills related to injuries sustained by your pet in a car accident.

Custom Parts & Equipment Value coverage provides an additional $1,000 worth of coverage for aftermarket parts or accessories damaged in a vehicle accident, including stereos, custom grills, or navigation systems.

Gap Insurance is designed to cover the amount of money you owe on your vehicle's loan or lease, paying up to 25% over the car's actual cash value to help satisfy your lenders.

You can also participate in a program that reduces your deductible by $50 for each six-month period that you are claim-free, if you have both collision and comprehensive coverage.

Here are some of the unique coverages offered by Progressive Auto Insurance: