How much is the Progressive continuous-insurance discount? This question is about Progressive

How much is the Progressive continuous-insurance discount?

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This question is about Progressive

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@WalletHub • 11/02/21 This answer was first published on 07/14/20 and it was last updated on 11/02/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

Answer Question

How much is Progressive's multi policy discount?

Progressive’s multi-policy discount is 5% off one of the policies’ premiums, on average. Customers can earn the Progressive multi-policy discount by bundling any combination of two or more insurance policies from Progressive, such as auto, home, renters, boat, motorcycle and RV insurance policies.

For example, if you start with home insurance, you can add auto insurance or any other policy at a later date to qualify for Progressive’s multi-policy discount. Just keep in mind that the discount will only appear on one of your policies.... read full answer

The Progressive multi-policy discount does not require an auto insurance policy. But if you bundle home and auto insurance with Progressive, you could be eligible for a discount that’s twice as large.

Multi-Policy vs. Multi-Car Discounts From Progressive:

Progressive’s multi-policy discount is different from its multi-car discount. The Progressive multi-car discount allows you to save a maximum of 12% on your auto insurance premium when you insure two or more vehicles with Progressive.

If you don’t have more than one car and don’t need more than one type of insurance policy, however, Progressive offers plenty of other discounts that could help you reduce the cost of your coverage.

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Does Progressive offer a senior discount?

Progressive offers a defensive driving discount in 34 states and the District of Columbia for seniors who complete an approved defensive driving course. Specific age requirements vary, and the discount is only available in states that legally mandate it.

Even if Progressive doesn’t offer a mature driver discount in your state, there are still other ways for you to ... read full answer lower your premium. For example, Progressive offers a multi-policy discount, which gives a discount to drivers who have two or more policies with Progressive.

To learn more, check out WalletHub’s guide to Progressive discounts.

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What is an alternative to AAA?

The best alternative to AAA roadside assistance is a motor club membership with Better World Club, Good Sam, or Allstate Motor Club. Another good alternative to AAA is purchasing a roadside assistance add-on from your car insurance company.

Insurance companies like Nationwide and Travelers offer different levels of roadside assistance coverage to choose from. Better World Club, Allstate Motor Club, and Good Sam also offer several coverage options. Drivers can find protection comparable to AAA by comparing the coverage limits of a competitor’s plan with their desired level of AAA membership. Just bear in mind that AAA costs vary by region, and each level of membership comes with different benefits.... read full answer

Alternatives to AAA Roadside Assistance

Company	Average Cost
Better World Club	$61.95 per year for the auto-only basic plan
Good Sam	$49.95 per year for the auto-only basic plan
Allstate Motor Club	$89 for the first year for roadside advantage (basic plan)
Roadside assistance from a car insurance provider	Around $20 per year, depending on the insurer
Roadside assistance from Verizon	$59.88 per year for each enrolled phone line
Roadside assistance from T-Mobile	Included with SyncUP Drive, which costs $10+ per month. One free year of AAA Classic with certain plans.

SyncUP Drive is a hotspot and tracking device that plugs into your vehicle, monitoring driving behavior, car health, and more.

Roadside assistance from an insurance company is usually less expensive than AAA, but it often provides fewer benefits. For instance, AAA includes perks along with roadside assistance, like discounts with affiliated companies, identity theft monitoring, and trip interruption coverage.

It’s also worth noting that AAA ranked below many competitors in WalletHub’s roadside assistance study because it has a large number of unresolved customer complaints. For more information, check out WalletHub’s picks for the best roadside assistance plans.

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