Progressive does not advertise a defensive driving discount on its website, but you may still be able to get one. Progressive may lower your rates by about 5% if you complete an approved defensive driving course and meet certain qualifications. You may need to be a certain age, have a clean driving record, take the course voluntarily (not by court order), or meet other state-specific criteria to be eligible. You’ll have to speak to a Progressive representative directly to find out the rules where you live.
Most defensive driving courses can be completed online and cost between $15 and $40. Live classes can cost as much as $100. But the cost could be worth it since you’ll get a discount for three years, in most cases. At that time, you should be able to renew the discount by taking the course again.
Completing a GEICO defensive driving course qualifies drivers for a discount of up to 5% or 10% on their GEICO car insurance premium. GEICO-approved online defensive driving courses cost $14.95 to $24.95, depending on the provider and your state of residence.
In general, GEICO defensive driving courses improve students’ driving skills by teaching them how to react effectively in hazardous situations. Main topics include how to drive in bad weather and on wet or icy roads, how to correct course if you lose control, how to veer off the roadway safely, and how to react if something crosses into your lane suddenly. Courses also cover the dangers of road rage, speeding, aggressive driving and driving under the influence.… read full answer
GEICO’s defensive-driving course discount is available in most (but not all) states, and rules and qualifications vary. GEICO has a convenient directory to help you learn more about the defensive driving requirements in your state.
Sample GEICO Defensive Driving Discounts by State
California – up to 5%
Texas – up to 10%
Florida – up to 10%
New York – up to 10%
Illinois – up to 10%
Pennsylvania – up to 10%
Michigan – no discount
Georgia – up to 10%
North Carolina – no discount
New Jersey – up to 5%
If you already have a course in mind, check with GEICO to see if that course will qualify you for the discount. You can also find an approved GEICO defensive driving course, and learn how to sign up, through the National Safety Council or the American Safety Council. Many states offer the option of taking the course online rather than in a classroom.
Progressive has 13 discounts in three main categories: loyalty-based, driver-based, and quote or payment-based. Most Progressive discounts save customers around 5% to 10%, but some discounts are even more valuable or can be combined for more savings. This is one reason why Progressive is so cheap.
Progressive’s loyalty discounts are for customers who purchase more than one policy, like insuring multiple cars or buying both home and auto coverage. Certain demographics, like students and homeowners, can qualify for various driver-based discounts. But almost anyone can get one of Progressive’s many quote or payment-based discounts, which include lower rates for getting an online quote, going paperless, paying in full, and more.… read full answer
Below, you can learn a bit more about each of Progressive’s current discounts.
List of Progressive Discounts:
Multi-Policy Discount - Save 5% when you get two or more Progressive policies, such as home and auto.
Multi-Car Discount - Save 12% for listing more than one car on your policy.
Continuous Insurance Discount - Get a discount based on how long you’ve been insured—by any company—with no gaps in coverage.
Snapshot Discount - Save an average of $145 when renewing your policy after driving safely while monitored by Progressive’s telematics program.
Teen Driver Discount - Get a discount just for adding a driver who is 18 years old or younger to your policy.
Good Student Discount - Save when full-time students 23 years old and younger maintain a B average or better.
Distant Student Discount - Save when a full-time student lives more than 100 miles from home and leaves their car back home.
Homeowner Discount - Save 10% for owning a home, whether your insurance is with Progressive or not.
Online Quote - Save 4% for getting a quote online, even if a representative finalizes your policy.
Sign Online - Save 8.5% for signing policy documents online.
Paperless - Save when you agree to get Progressive documents via email. This discount depends on and is in addition to the sign-online discount.
Pay in Full - Get a discount when you pay in full for your policy upfront.
Automatic Payment - Save when you set up automatic payments from a checking account. This discount cannot be combined with the pay-in-full discount.
Progressive offers other ways to save in addition to these discounts. The Progressive Name Your Price tool, for example, allows customers to find a range of coverage options within their desired budget. Drivers can also take advantage of Progressive’s optional deductible savings program, which subtracts $50 from your collision or comprehensive deductible for each policy term without an accident or ticket. Progressive has accident forgiveness, too, so your rates won’t necessarily go up after making a claim.
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 2020 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.
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