Progressive Direct auto insurance is a good insurance company. It has consistently been ranked 4th in the nation and has received an excellent (A+) rating by independent rating companies every year for the past 5 years.
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Progressive’s claim to fame is the fact that they give you quotes from several other insurance companies including their own. Take a look at the benefits of online quotes and some of the factors that impact your rates below.
What are the benefits of comparing rates and quotes?
Since Progressive Direct is known for its comparisons of auto insurance rates, it is a good idea to know what the benefits of comparing rates are.
- Knowledge of rates: First of all, you can’t be sure you getting a good rate on auto insurance unless you have something to compare it to. Comparing rates will let you know whether or not the rate you have received from one company is a good rate.
- Power: Another benefit of comparing auto insurance rates is the negotiating power it gives you. Once you have a quote from a competing auto insurance company, you can ask the other company for a better deal. You can tell them about the quote or show them the actual quote and see if they will match it. If they won’t, then you can decide which company you would like to go with.
- Knowledge of coverage: Comparing auto insurance rates will also allow you to compare coverage. The lowest price isn’t always the best coverage for the money. When you receive competing quotes, you can see services and policy details side by side. One company might be lower in price but is it giving you higher deductibles? Is it taking away roadside assistance? These types of questions can be answered when comparing quotes.
What information do I need to provide in order to receive a quote?
Each insurance company is different as far as the information they require in order to give you a quote, but some information is standard. Insurance companies will need to know your name, address, and phone number as well as the names of anyone else who will be covered on the insurance policy.
It is best to make the person with the best driving record the primary driver. They will need to know the age of all drivers. Especially for teen drivers, age has an impact on rates.
Most insurance companies will also need to know about your driving history. For the most part, when you give them your name and address, the company will be able to pull up violations in the last several years. Some companies look at information for the past 3 years while other companies look at information for the past 5 years. Moving violations such as speeding tickets and accidents have a bearing on your rates as well.
Lastly, and insurance company will ask you a series of questions to determine which discounts you quality for.
- Student driver discounts are based on age
- Safe driver discounts are based on driving history
- Safety feature discounts are based on the safety features you have on your vehicle
- Military discounts are based on your present or past service in the military
Answering all of these questions can ensure that you get the most discounts possible.
What factors increase insurance rates?
Sometimes rates are higher due to circumstances you cannot control, other factors you can control. Rates are generally higher for males between the ages of 16-24. Rates are also higher based on where you live and the type of car you drive. Red vehicles and sports utility vehicles are some of the most expensive types of vehicles to ensure. Your driving history and past insurance record also can increase your rates.
Taking proactive measures can help reduce your insurance rates. For example, you can take a defensive driving course or add a safety feature to your vehicle. Shopping around every six months so you can make sure you are still getting the best rate is another positive way to keep rates low.
Overall, the best way to make sure rates stay low is to be a safe driver, pay your insurance bill on time, and never have a lapse in insurance. If you are switching insurance companies, be sure to keep your current company until the date you are covered by the new company. Insurance companies see lapses in coverage or late payments as risk factors which increase your insurance rates.
Simply enter your zip code into the free box on this page to compare online auto insurance quotes now!