Here we look at Car Insurance, Car Maintenance, Car Driving Safety Tips, What types of Car Insurance are available, How to get car insurance, and how to claim car insurance from One of the top American Insurance companies Progressive.
- What is Car Insurance?
Car insurance helps protect your financial well-being if you’re in a covered accident. Instead of paying for costly injuries or damaged property by yourself, your auto insurance steps in to pay for some or all of the loss. You can customize what and how much your insurance covers, giving you the flexibility to build a policy that satisfies your needs.
- Why do you need car insurance?
Car insurance, specifically liability coverage, is required in nearly every state, so you’re financially protected if you’re responsible for someone else’s injuries or property damage. With additional coverages, your auto insurance can also help pay to repair or replace your vehicle. If you’re thinking about insurance costs, there are ways to get cheaper car insurance without compromising on your coverage.
- What do you need to get an auto insurance quote?
To get the most accurate quote, you need to supply your car’s make, model, and year, as well as information about your driving history. To purchase an auto policy, you’ll need your vehicle identification number (VIN) handy. We’ll also ask for your Social Security and driver’s license number. Not sure which coverages to select? Our car insurance calculator can help you estimate your coverage needs. Ready to get started? Get a quick car insurance quote online or call us at 1-855-347-3749.
We’re here for you around the clock to help with questions, policy updates, and claims. Call, go online, use the Progressive app, or even chat with us — our lights are always on.
- How do you file a car insurance claim with Progressive?
You can file a car insurance claim with Progressive by logging in to your policy, calling 1-800-776-4737, or using the Progressive app. Our claims experts will make sure you get back on the road as soon as possible. Learn more about the auto insurance claims process.
Types of Car Insurance from Progressive
Car insurance coverages vary based on your state and individual needs, but nearly every policy contains liability coverage. Most policies protecting a financed vehicle will also include comprehensive collision coverage. Liability is a required auto insurance coverage in 49 states, while comprehensive and collision are optional coverages if your car is paid off.
Uninsured/underinsured motorist coverage, medical payments, and personal injury protection (PIP) may also be mandated, depending on your state. Here are the important coverage options for standard auto policies:
Liability coverage
Collision coverage pays to repair or replace your damaged vehicle if you collide with another object, such as a tree, guardrail, fence, or vehicle.
Example: Your car skids on an icy highway and plows into a guardrail, causing $5,000 in damage to your vehicle. If your deductible is $500, we’ll pay you up to $4,500. See more about collision coverage.
Comprehensive
Comprehensive coverage protects your vehicle from events out of your control, including fire, theft, vandalism, hitting an animal, glass breakage, or acts of nature.
Example: You hit a deer and wreck your front bumper and windshield. The damage totals $2,500 and your deductible is $250. Progressive can pay the difference of $2,250. Learn more about comprehensive coverage.
Collision
Liability coverage is required in all states except New Hampshire and can pay for injuries or damages you cause while driving, up to your policy’s limits. Liability coverage on your auto insurance policy protects you in two ways:
Bodily injury liability: Pays for someone else’s medical bills if you’re liable for their injuries in an auto accident. Property damage liability: Pays for damage to someone else’s vehicle and/or property if you’re liable in an auto accident.
Example: You lose control of your vehicle and hit your neighbor who is standing in their driveway, along with their car and mailbox. Liability coverage will cover your neighbor’s injuries and the cost to repair their mailbox and vehicle. Learn more about auto liability coverage.
Uninsured/underinsured insurance coverages
There are four types of uninsured/underinsured car insurance coverage:
Uninsured bodily injury: Covers you and your passengers if you’re injured in an accident and the at-fault driver has no insurance.
Underinsured bodily injury: Covers you and your passengers if you’re injured in an accident and the at-fault driver’s coverage limits aren’t high enough to pay for the injuries they caused.
Uninsured motorist property damage: Pays to repair or replace your vehicle if you’re hit by a driver with no insurance.
Underinsured motorist property damage: Pays to repair or replace your vehicle if you’re hit by a driver without enough coverage.
Example: You’ve rear-ended in a car accident and the other driver has no auto insurance. We’ll pay for your medical bills and lost income as a result of the incident, up to the limits of your policy. If your car is damaged, we can pay to repair or replace it, up to your policy’s limits. Learn more about uninsured/underinsured coverage.
Medical payments
If you’re in an accident, medical payments pays for medical and funeral expenses. Medical payments can also cover your family members or passengers, regardless of fault. This type of auto insurance coverage also applies if you or your family members are passengers in other vehicles or hit by a car while you’re walking or riding a bicycle.
In some states, personal injury protection (PIP) is offered instead of medical payments and protects you in a similar way. Michigan residents: learn more about how Michigan’s new auto insurance reform affects PIP coverage.
Example: You’re in a fender bender on your lunch break and your co-worker, in the passenger’s seat, is injured. Your medical payments coverage on your car insurance policy will cover your co-worker’s hospital bill up to your policy’s limits. A deductible may apply for personal injury protection.
Tips to Make Your Car Last Longer
