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Advantages

• Offers three distinct accident forgiveness programs, one of which enrolls you automatically.
• Provides assistance with vet bills if your pet is injured in a car accident and you have collision insurance, applicable in most states.
• Rideshare coverage is available.

Drawbacks

• Received a below-average rating for car insurance shopping and claims satisfaction from J.D. Power.

Comprehensive Evaluation Progressive has achieved a commendable rating of 4.5 stars out of 5 for its overall performance. NerdWallet's ratings are meticulously determined by our editorial team, considering consumer experiences, complaint data sourced from the National Association of Insurance Commissioners, and financial strength ratings.

As the nation's second-largest auto insurance company, Progressive extends its services to cover almost anything motor-related. With an extensive array of discounts and a comprehensive range of coverage options, including rideshare insurance and protection for pets injured in car accidents, Progressive ensures a tailored approach to each customer's needs.

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Noteworthy Features of Progressive

• Diverse Coverage: Progressive offers coverage options that go beyond the standard, such as rideshare and gap insurance. Additionally, it provides complimentary coverage for veterinarian bills resulting from pet injuries in crashes, exclusively available to collision insurance purchasers.
• Accident Forgiveness: Setting itself apart from its counterparts, Progressive extends automatic forgiveness for minor accidents and further rewards loyalty with significant benefits. Customers with a pristine driving record over five years won't face premium hikes for larger claims. Moreover, the option to purchase additional accident forgiveness is available, enabling multiple incidents to be pardoned.
• Complaint Management: Progressive manages complaints commendably, maintaining a complaint rate that aligns closely with industry expectations.

Areas of Improvement

• Customer Satisfaction: Despite its strengths, Progressive falls short in customer satisfaction metrics. According to J.D. Power's assessments, it received subpar ratings in both auto insurance shopping and claims processes. A NerdWallet survey conducted in 2023 also indicated below-average satisfaction levels compared to other insurers surveyed.

Progressive Auto Insurance Coverage When selecting car insurance coverage, it's essential to align your choices with your needs and statutory requirements. While most states mandate minimum insurance coverage, opting for comprehensive protection might be prudent for enhanced security. Here's an overview of some common coverage types and potential additions available through Progressive:

• Gap Insurance: Progressive covers up to 25% above your car's value if it's totaled, bridging the gap to settle any outstanding loan or lease balance. This coverage requires comprehensive and collision coverage.
• Custom Parts and Equipment Coverage: Protects custom accessories added to your vehicle, offering reimbursement up to $5,000 in case of damage from covered claims.
• Pet Injury Coverage: Included with collision coverage, this provision covers veterinary expenses up to a specified limit if your pet sustains injuries in a car accident.
• Deductible Savings Bank: Available to customers with comprehensive and collision coverage, this program gradually reduces deductibles by $50 every six months of claim-free driving, potentially reaching $0. Availability varies by state.
• Rideshare Insurance: Progressive extends coverage in certain states, ensuring continuous protection while using rideshare apps beyond just transporting passengers.This revamped review aims to offer a fresh perspective while maintaining the integrity and essence of the original content.