What is the time limit on submitting a claim with Progressive?

Progressive is cheap because it offers a variety of discounts and equips consumers with advanced tools to get the best rates. Progressive’s price comparison tool allows shoppers to compare their Progressive quote against competitors’ rates all in one place, for example. Progressive also offers the Name Your Price® tool, which lets customers state their desired price for car insurance and offers a range of coverage options that fit their budget. Progressive Snapshot® uses your smartphone or a plug-in device to reward safe driving and personalize your rates, too.… read full answer

Progressive also has a lot of discounts—99% of policyholders qualify for at least one of them, according to the company. Almost anyone can get a discount for getting an online quote, signing paperwork electronically, or going paperless, for example. Students, homeowners, and even expensive-to-insure teens can also get discounts. Plus, Progressive rewards customer loyalty with discounts for insuring more than one car or getting multiple policies, like home and auto.

Progressive is ranked 17th for the cheapest car insurance according to WalletHub's 2021 review. Its main competitors in terms of price and market share are Geico and State Farm, but WalletHub’s comparison shows that Progressive is usually the cheapest of the three.

Filing a claim will increase car insurance premiums from 3% to 32% on average for three to five years in almost all cases. How much your rate goes up depends on several factors, like the claim type and amount, your insurance company, your claims history, your location, and whether or not you have accident forgiveness.… read full answer

The most significant factors affecting how much your rates go up after an accident are the claim type and amount. Accidents that you cause will raise your premium the most, especially if the damages are over $2,000. Although prices don’t jump as much when you’re not at fault or the incident was beyond your control, you’ll probably still see a rate increase.

It may seem unfair, but insurance companies are within their rights to raise your rates after a claim, even if the accident was not your fault. Insurers charge based on risk, and statistics show that you’re more likely to make additional claims if you’ve recently filed one.

Some insurance companies charge more than others after not-at-fault accidents, though. Progressive charges the most, raising rates by more than 16% on average. State Farm, on the other hand, doesn’t increase prices if their customer is not at fault.

Progressive will determine whether a vehicle is a total loss by doing an inspection on the car to assess whether the car can be repaired and whether those repairs will cost more than the car’s current value. The car will also have to fulfill the state’s criteria for a total loss. … read full answer

Some states require Progressive to declare a total loss if the cost to repair a car exceeds a certain percentage threshold of the car’s value. That percentage will vary by state. For example, a car with damage equaling 75% of its value is considered totaled in New York, but not in Texas, where the damage has to be equal to 100% of the car’s current value. There are 22 states, including Delaware, California and Georgia, that use a total loss formula instead of a percentage threshold. In these states, Progressive will total your car if the cost of repairs plus the car’s scrap value equals or exceeds its actual cash value.

If your car is declared a total loss, the title is transferred to Progressive, which will then dispose of the vehicle. Depending on your insurance coverage, Progressive might provide you with a replacement, a claim payout, and sometimes a rental vehicle to use in the meantime. Progressive normally pays out your car’s cash value directly to you or to your leasing or financing institution.

Finally, it is worth noting that in recent years, Progressive was involved in class action lawsuits related to the way it values vehicles that are declared a total loss. These complaints alleged that Progressive purposefully undervalued comparable vehicles when evaluating total loss claims. Legal proceedings are still ongoing.