If you want to lower your Progressive auto insurance rates, increase your deductible, keep your driving record clean, and see if you qualify for discounts. Revisiting your insurance policy or signing up for Snapshot can also help you get the best rate for your car insurance!

Founded in 1937,

Progressive

is currently the third largest car insurance provider in America. With over 21 million policies in place, Progressive has a strong nationwide presence that offers plenty of benefits for its members. But are there ways you can lower your auto insurance premiums if you’re already a policyholder?

Yes! In fact, there are a variety of approaches you can take to reduce your

car insurance

rates without losing out on the coverage you need. Let’s get into how you can go about lowering your Progressive car insurance premiums!

How to lower Progressive car insurance rates

Lowering your auto insurance premiums may be easier than you think. From driver discounts to deductibles to coverage options, there are plenty of areas you can tweak to save a little bit on your monthly insurance bill.

Revisit your insurance coverage

The logical place to start is reviewing your current auto insurance policy. Experts suggest that you

revisit your insurance coverage once every six months

to make sure you’re getting the best deal. Going over the insurance products you have can show you areas where you can cut back or make adjustments to better protect yourself and your vehicle.

Legally, you have to carry your state’s mandated

liability car insurance

—this will generally include bodily injury liability and property damage liability. Some states will also require

personal injury protection (PIP)

and

uninsured/underinsured motorist

coverage. These state-required limits will be necessary no matter what kind of vehicle you drive.

Most drivers usually add full coverage onto their auto insurance policy—which includes collision and

comprehensive coverage

. Other common add-ons include rental reimbursement, towing and labor, and gap insurance. In some cases, you may not need these coverages—for example, if you drive an older car, you don’t want to pay more for insurance annually than the actual value of your vehicle.

If you decide to cut back on optional insurance coverage, remember that you’ll have to cough up more cash in the case of an accident or other uncovered damage.

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Increase your car insurance deductible

Increasing your Progressive insurance deductible is another approach to cutting down your premium. Basically, the deductible is the amount you’ll pay out of pocket before your coverage kicks in. Let’s say that your

catalytic converter is stolen

and is covered by your comprehensive coverage—you’ll still have to pay the deductible amount first before your insurance will pay for the rest of the replacement.

The higher you set your deductible, the lower your insurance premium will be. Jacking up your deductible can make your monthly payments less of a burden. However, if you

file a claim

, you have to pay the deductible amount before you can benefit from your Progressive policy. If you know you’ll have a higher deductible, it’s a good idea to set up a savings account with that amount in it so you’ll be ready if you have to pay it.

It’s also good to be aware that Progressive offers a disappearing deductible program for safe drivers. The Deductible Savings Bank will gradually decrease your deductible or even waive it if you go a long time without getting in an accident or making a claim.

MORE:

How to choose the best car insurance deductible

Ask about insurance discounts

Progressive offers an impressive list of auto insurance

discounts you can apply for

. You might even qualify for a few of them without knowing it! Here are a few car insurance discounts you can ask your Progressive agent about qualifying for, along with the average savings provided by each discount:

Multi-policy (5%): Bundle two or more policies (ex: auto and renters insurance) to save on both of them!

Multi-car (4%): If you or a family member have an additional vehicle registered to your primary address, you can add it to your policy to get a discount!

Continuous insurance (varies): Loyal customers are given a discount and may be eligible for membership perks.

Good driver ($146): Sign up for Progressive’s Snapshot usage-based program and get rewards for good driving habits.

Teen driver (varies): If you have young drivers under 18 on your policy, you may get a reduced rate on your premium.

Good student discount (10%): Full-time students with a B average will see savings on their policy!

Distant student (varies): If you have a student on your policy who’s 22 years of age or younger and who lives more than 100 miles away from home, you’ll get a lower rate.

Homeowner (10%): Even if your home is insured with another insurance company, just owning a home will give you a break on your auto premium.

Online quote (7%): Save on your monthly bill just by requesting a quote online.

Sign online (9%): Confirm your policy online for extra savings.

Paperless (varies): Opting to get your bills online saves trees and saves you money on your monthly premium.

Pay in full (varies): Pay your premium upfront to get a discount.

Autopay (varies): Set up monthly automatic payments from your credit or debit card for a reduced rate!

MORE:

What do I do if my car insurance with Progressive is canceled?

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Consider bundling your insurance policies

If you have more than one major asset requiring insurance coverage, bundling your insurance policies is an easy way to save! Progressive’s multi-policy discount can save you an average of 4%. This discount applies to a variety of policies, including auto, home, condo, renters, RV, boat, motorcycle, and more.

Bundling your multiple policies also streamlines your insurance process—you’ll only have to deal with one provider and manage one set of paperwork. For example, if you buy a new car, you can bundle it onto your renters insurance and save! Call your insurance agent to see what bundling your policies can do for you!

MORE:

Pros and cons of bundling home and auto insurance

Got a clean driving record? You could already be on your way to saving on your auto insurance premiums! Because safe drivers are less of a risk to insure, most providers will reward drivers who keep their record clean.

In Progressive’s case, drivers with no tickets or accidents in the past three years can expect to pay 31% less than the average Progressive policyholder. Plus, in states like California, there are mandated discounts for safe drivers—for Californians, that can reach up to 20% in savings!

Progressive also offers a telematics program called

Snapshot

that rewards safe driving behavior. Signing up for Snapshot will automatically give you a discount averaging $47 across users. If you finish the program receive an additional average discount of $156 depending on your driving habits.

Here’s how to get a safe driver rating though the Snapshot app:

Smooth acceleration and braking: Slamming on the brakes or the gas will lower your score, so make sure to be consistent and aware with your driving.

Drive during the day: Late-night trips (between 12:00 am and 4:00 am) are considered higher risk than a well-lit cruise through town.

Minimize how much you drive: The less time you spend behind the wheel, the less likely you are to get into an accident.

Don’t text and drive: Holding your phone while driving will lower your discount. Instead, use hands-free features that follow your state’s

distracted driving

laws.

Usage-based programs like Snapshot can be a double-edged sword—they’ll help lower your rates if you’re a safe driver, but if you display bad driving habits, the app will record them, which could result in a higher premium on your car insurance policy after all.

“My speeding ticket raised my insurance to $310/month.
Jerry
got me full comprehensive coverage on two vehicles for $144/month through Progressive. I definitely recommend giving them a try.” —Brandon D.

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FAQs

How can you lower a Progressive insurance deductible?

To lower your Progressive deductible, you can log into your online portal or call 1-866-731-8075 to speak to an agent. Progressive also has a disappearing deductible program that will reduce your deductible over time.

How much does Progressive car insurance cost?

It depends. Progressive will determine your rates based on your age, location, driving history, and more. One estimate suggests that Progressive policyholders on average pay $1,033 per year for minimum-coverage—which is less than the national average.

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