Progressive Auto Insurance Discounts (2024)
Progressive auto insurance discounts include 10% in homeowner discounts, as well as online quote discounts supplying 7%. Get cheaper Progressive auto insurance with the Name Your Price tool and accident forgiveness. You can also bundle all eligible Progressive discounts and programs for the most savings.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Progressive offers 13 auto insurance discounts to help customers save money
- While Progressive includes many standard options, common discounts like good driver or defensive driving discounts are missing
- It doesn’t offer the longest list of discounts, but Progressive gives drivers other ways to stay on budget with the Name Your Price tool
Finding affordable rates is more important than ever when you’re in the market for auto insurance. Auto insurance prices are currently high due to inflation, increasing health care costs, car repair costs, and theft rates.
Insurance companies offer discounts to help their customers save, and Progressive is no different. Progressive auto insurance discounts are decent, but there aren’t as many opportunities to save compared with other companies.
Read on to learn more about Progressive’s auto insurance discounts and see which ones you qualify for. Then compare quotes with as many companies as possible to ensure you get the most affordable policy.
Progressive Offers 13 Auto Insurance Discounts
The list of Progressive auto insurance discounts isn’t the most impressive. With 13 discounts to qualify for, Progressive customers have a few options to save money. However, you’ll find other companies with a wider range of discounts.
Progressive discounts fall into three categories: discounts for loyalty, drivers, and policies. Read on to learn more about each discount and determine your eligibility.
Progressive Loyalty Discounts
Progressive’s loyalty discounts offer the chance to save money simply by being a customer. Progressive offers the following loyalty discounts:
- Multi-car discount. If your household has more than one car, you can save about 4% on your insurance if you add them to the same policy.
- Multi-policy discount. Progressive sells various insurance products. You’ll save around 5% on your insurance if you buy more than one Progressive policy.
- Continuous insurance discount. While Progressive doesn’t have a long-term customer discount, it rewards you with lower rates depending on how long you’ve had car insurance without gaps in your history.
You can check with a Progressive insurance representative to see which discounts you qualify for since availability sometimes varies by state.
Progressive Discounts for Drivers
Insurance companies often offer discounts to people statistically less likely to file claims hoping that the risk of losing a discount will deter risky driving behaviors. Progressive offers the following discounts for drivers:
- Snapshot discount. Snapshot is Progressive’s usage-based insurance program, which tracks your driving behaviors. The average driver saves over $12 per month with Snapshot.
- Teen driver discount. Parents or guardians who add a teen 18 or younger to their policy can earn a small discount.
- Good student discount. The Progressive good student discount helps students who maintain a 3.0 GPA or better save up to 10% on their insurance.
- Distant student discount. Progressive offers reduced rates to full-time students living more than 100 miles from home if they leave their car behind.
- Homeowner discount. Homeowners with a home insurance policy can save 10% on their car insurance, even if the coverage on their house is with another company.
You might notice that Progressive insurance discounts lack a few common options that competitors often have. For example, people looking for a Progressive defensive driving discount will be disappointed.
Other standard discounts Progressive seems to lack are hidden inside other options. There’s a Progressive safe driver discount, but you can only get it by signing up for Snapshot.
Like the loyalty discounts, you should speak with a representative to see if you qualify for any particular discount. For example, the good student discount from Progressive is only available to full-time students under 23.
Progressive Auto Insurance Policy Discounts
To help streamline the process of managing policies and cut down on costs, Progressive offers several ways to save money based on your policy, including:
- Online quote discount. The average driver saves 7% for getting their initial quote online, even if a representative finishes it for you later.
- Sign online discount. Signing your policy documents online can save you 9% on your insurance.
- Paperless discount. Earn additional savings by agreeing to receive paperless documents and notifications from Progressive. You must sign your documents online to be eligible.
- Pay in full. Most drivers pay monthly, but you can earn a small discount if you pay your entire six-month policy at once.
- Autopay. Progressive offers the convenience of automatically withdrawing your insurance payments from your bank account. As a bonus, you’ll earn a discount, but you can’t combine it with pay-in-full savings.
Although Progressive offers a decent list of discounts, some customers are disappointed that there aren’t more opportunities to save. For example, there isn’t a Progressive military discount or anything for rental cars.
Drivers interested in a Progressive rental car discount should consider the company’s partnership with Enterprise. Enterprise and Progressive discount rental cars by 20%, and Progressive insurance applies to any rental in the U.S.
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Other Ways to Save on Progressive Insurance
While its list of discounts might not be the most impressive, Progressive makes up for it with additional ways to get a policy that fits your budget.
Progressive offers the unique Name Your Price tool, allowing you to tell the company how much you want to spend on car insurance. Then, Progressive will show you a list of options that meet your desired price.
You can also participate in Progressive’s deductible savings program. Every year you go without getting a ticket or filing a claim for an accident, Progressive subtracts $50 from your comprehensive or collision deductible.
Finally, Progressive offers excellent accident forgiveness coverage. After your first six-month term, Progressive won’t raise your rates for your first claim under $500. Also, if you remain accident-free for five years as a Progressive customer, your first claim of any amount won’t raise your rates.
Comprehensive Guide to Progressive’s Defensive Driving Discounts
Progressive Insurance encourages safe driving habits by offering discounts to drivers who complete approved defensive driving courses. These courses aim to enhance your driving skills, making you less likely to get into accidents or receive traffic violations, which can lead to lower insurance premiums. To qualify for Progressive’s defensive driving discount, customers must complete a course approved by the insurer. Once completed, submit your certificate of completion to Progressive; the discount will be applied upon verification. This discount not only promotes safer driving but also makes your insurance more affordable.
Exploring Progressive’s Student Discounts
Progressive recognizes the efforts of students maintaining good grades and rewards them with a student discount. Full-time students under the age of 23 are eligible for this discount, provided they have a B average or better. Additionally, young drivers who complete driver’s education courses may also qualify for discounts. These incentives aim to encourage responsible driving habits among younger drivers while making insurance more budget-friendly for students and their families.
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Maximizing Savings with Progressive’s Policy Management Discounts
Managing your insurance policy smartly can also lead to savings with Progressive. Customers who opt to sign their insurance documents online, set up auto-pay, or pay their premium in full at the start of their policy period can enjoy various discounts. The sign-online discount rewards customers for completing their policy purchase digitally. The auto-pay discount is for those who set up automatic premium payments, ensuring timely payments and convenience. Paying your premium in full eliminates the need for monthly processing fees and can lead to substantial savings.
Leveraging Technology for Savings: Progressive’s Smart Technology Discounts
Progressive offers discounts to customers who participate in their Snapshot program, a usage-based insurance option that tracks driving behavior through a mobile app or a plug-in device. Safe driving habits can lead to significant savings on your insurance premiums. Additionally, vehicles equipped with advanced safety features may qualify for smart technology discounts, acknowledging the role of technology in preventing accidents and enhancing vehicle security.
Loyalty Pays Off: Understanding Progressive’s Loyalty Rewards Levels
Progressive values long-term customers by offering a loyalty rewards program. This program includes various levels of rewards, offering increasing benefits the longer you remain a Progressive customer. These benefits can include accident forgiveness, minor violation forgiveness, and emergency roadside assistance, among others. The specifics of the rewards and how to qualify can typically be found by discussing directly with Progressive or through your online account details.
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Specialized Discounts: First Responder, Military, and More
To honor the service of military personnel and first responders, Progressive provides specific discounts. For example, in Louisiana, military members and their families can receive a 25% discount on their auto insurance premiums. First responders may also be eligible for discounts, recognizing their contributions and service. It’s advisable to contact Progressive directly to learn about eligibility and how to apply for these discounts.
Are there hidden Progressive discounts?
While Progressive is transparent about the many discounts available to its customers, some savings opportunities might not be widely advertised or may be considered “hidden” because they are specific to certain conditions or customer actions. Here are a few ways you might uncover additional savings:
- Snapshot Program: This usage-based insurance program rewards you for safe driving habits. While not hidden, the extent of the savings can vary greatly among drivers based on their driving behaviors, making it a potential source of unexpected discounts.
- Deductible Savings Bank: For every policy period you go without a claim, Progressive reduces your collision and comprehensive deductible. This benefit grows over time and could be overlooked by those not familiar with the details of their policy.
- Minor Violation Forgiveness and Accident Forgiveness: Progressive offers forgiveness programs that prevent your rate from increasing after a minor violation or your first accident. These programs are part of Progressive’s loyalty rewards and might not be immediately evident to new customers.
- Affinity Discounts: Through partnerships with certain organizations, businesses, or alumni associations, Progressive might offer discounts to members. It’s worth checking if any groups you belong to might qualify you for additional savings.
- Comparison Shopping Tool: While not a discount in the traditional sense, Progressive’s “Name Your Price” tool can help you find a policy that fits your budget, effectively leading to savings by tailoring coverage options to your financial needs.
- Early Shopping Discount: If you get a quote from Progressive at least seven days before your current policy expires with another company, you could be eligible for a discount. This incentive encourages drivers to switch to Progressive but is not always prominently featured.
How Much Progressive Insurance Costs
Progressive isn’t the cheapest insurance company on the market, but many drivers can get affordable coverage. Though Progressive isn’t the cheapest option, it has the lowest rates in a few states.
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Progressive often can’t compete with companies like Geico and State Farm. However, Progressive is a reliable company offering quality insurance, and it should be on your list of companies to look at when you need coverage.
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Find Progressive Insurance Discounts Today
While Progressive doesn’t have the longest list of discounts, most drivers can find something to help them save. From simple policy choices to letting Progressive track your driving behavior, earning a discount on your insurance policy isn’t difficult.
With only 13 discounts, you can easily find other companies with more opportunities for savings. When you need to save money on your insurance, comparing quotes is one of the most important steps in finding affordable coverage.
Frequently Asked Questions
How do you get Progressive’s pay-in-full discount?
Getting the pay-in-full discount is easy, but it takes a more substantial amount of cash in one sitting. You can earn this discount by paying for your entire six-month policy once instead of splitting it into monthly payments. If you can’t afford to pay the entire policy at once, you can earn a discount if you set up automatic payments.
How do you get the Progressive good student discount?
The good student discount is available to any full-time student under 23 who maintains a “B” average. The average good student discount is 10%.
Does Progressive offer any additional ways to save on insurance?
Yes, Progressive offers the Name Your Price tool, which allows you to specify how much you want to spend on car insurance, and they will provide options that fit your budget. They also have a deductible savings program and accident forgiveness coverage.
What is the online quote discount?
By getting your initial quote online, even if a representative finishes it for you later, you can save an average of 7% on your insurance with the online quote discount.
Are there any auto insurance policy discounts available from Progressive?
Yes, Progressive offers policy-related discounts such as the online quote discount, sign online discount, paperless discount, pay in full discount, and autopay discount.
What discounts does Progressive offer for young drivers and students?
Progressive offers several discounts aimed at young drivers and students to help lower their insurance costs. These include:
- Good Student Discount: Available to full-time students under 23 with a B average or better.
- Teen Driver Discount: Offered to families adding a teen driver to their policy.
- Student Away at School Discount: For students on the policy who go to school more than 100 miles away from home without a vehicle.
- Drivers Ed Discount: For young drivers who complete an approved driver’s education course.
Does Progressive offer a discount for paying my insurance premium in full?
Yes, Progressive offers a pay-in-full discount to customers who choose to pay their entire insurance premium upfront at the beginning of their policy period. This option allows policyholders to save money by reducing administrative costs associated with monthly payments, and the discount is applied as an incentive for choosing this payment method. It’s a straightforward way to lower your overall insurance costs with Progressive.
Are there any hidden discounts Progressive offers that I might not be aware of?
While Progressive advertises many of its discounts, there are a few less obvious ways to save, such as affinity discounts through certain organizations, deductible savings for claim-free periods, and the Snapshot program for safe driving. It’s worthwhile to inquire directly with Progressive or check your policy details for these potentially “hidden” savings opportunities.
Does Progressive offer defensive driving discounts?
Yes, Progressive offers discounts for drivers who complete approved defensive driving courses. Eligibility and the amount of the discount can vary, so it’s recommended to contact Progressive directly or check through your online account for specific details related to this discount.
What technology-based discounts does Progressive offer for safer driving?
Progressive offers the Snapshot program as a technology-based discount for safer driving. Snapshot is a usage-based insurance program that tracks your driving behavior through a mobile app or a plug-in device. Safe driving habits such as gentle braking, avoiding late-night drives, and minimizing rapid acceleration can lead to significant savings on your insurance premiums. This program is designed to reward drivers who practice safe driving behaviors with lower rates.
Does Progressive offer any discounts for military personnel?
Yes, Progressive offers a military discount, but it’s limited to Louisiana. In Louisiana, military personnel and their families are eligible for a 25% discount on their auto insurance policies, in compliance with state law. Outside of Louisiana, there’s no widely advertised military discount, so it’s recommended to contact Progressive directly to inquire about any available discounts or benefits for military members in other states.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.