Guide to Progressive Auto Insurance Discounts (2023)

Finding affordable rates is more important than ever when you’re in the market for car insurance. Car 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 has a decent list of car insurance discounts, but there aren’t as many opportunities to save compared with other companies.

Read on to learn more about Progressive’s car 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.

How many discounts does Progressive offer?

The list of Progressive 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.

Does Progressive have 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.

Does Progressive have 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.

Does Progressive have car 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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Are there 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.

How much does Progressive insurance cost?

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.

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.

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.

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