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Progressive’s continuous insurance discount is available to customers who have maintained active insurance coverage, with Progressive or another carrier, for at least 6 months without interruption. Progressive offers several levels of continuous insurance discounts, and the exact amount of the discount varies.
Progressive Continuous Insurance Discount Levels
- Silver: 6 months (any company)
- Gold: 1-3 years (any company)
- Platinum I: 3-5 years (any company)
- Platinum II: More than 5 years (any company)
- Diamond: More than 5 years (specifically with Progressive)
- Emerald: More than 10 years (specifically with Progressive)
- Crown: More than 20 years (specifically with Progressive)
The exact amount of Progressive’s continuous insurance discount varies for each customer, depending on how long they have maintained insurance without any lapses or cancellation, as well as other factors like where they live and their driving record. As long as a customer keeps continuous insurance coverage, they’ll advance to Progressive’s next discount level every 12 months.
Why Insurers Offer Loyalty Discounts
Lapses in insurance coverage signal to insurance companies that a driver might pose higher risk. Driving without insurance is also illegal in most states, so most insurance providers raise rates for people who have lapses in coverage on their driving record. Through its continuous insurance discount program, Progressive offers an incentive for drivers who have been responsible and maintained uninterrupted auto insurance coverage.
Progressive’s continuous insurance discount is available in most states, except for New York and California.
Other major providers that offer a similar discount program include Travelers, Farmers and American Family Insurance. Travelers offers a discount of up to 15% to customers without a gap in their insurance coverage. Farmers and American Family have similar policies for loyal customers, though their discount amounts vary.
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