Safeco Insurance vs. Progressive

The Progressive phone number is 1 (888) 671-4405 for general customer service, and customer service representatives are available 24/7. You can also contact Progressive by going to Progressive's wesbite and using the chat function, emailing customer service, or visiting a local agent. 

How to Contact Progressive

• Call 1 (888) 671-4405 to speak with a customer service representative
• Go to Progressive's website and use the chat function
• Mail your request to Progressive at The Progressive Corporation / 6300 Wilson Mills Road / Mayfield Village, Ohio 44143
• Visit a Progressive agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Progressive. For instance, to file a claim, you can file online, over the phone, or through the Progressive mobile app. However, to cancel your policy with Progressive, you will most likely need to call 1 (888) 671-4405.

Progressive Phone Numbers

To learn more, check out WalletHub's full review of Progressive.

Yes, Progressive offers roadside assistance as a policy add-on for about $50+ per year. coverage for things like jump starts, winching, flat tires, lockouts, and fuel deliveries. To get immediate help, members can request service online, through the Progressive mobile app, or by calling 1-800-776-4737.

What Progressive's Basic Roadside Assistance Covers

• Towing
• Jump starts
• Gas delivery
• Flat tire change
• Winching
• Battery charge for electric vehicles
• Lockout services

Progressive Roadside Assistance vs. Popular Competitors

Progressive roadside assistance generally costs more than memberships with auto clubs like AAA, and you will have to carry comprehensive and collision coverage to get roadside assistance, which adds to your overall price. The exact cost of roadside assistance from Progressive will also depend on where you live, what type of car you drive, and other factors.

In addition, it's important to note that coverage is subject to any other details stated in your policy. That could mean service charges for certain roadside events, like being towed over a certain number of miles or to specific garages.

To learn more, check out WalletHub's full review of Progressive, as well as our guide to roadside assistance.

The Safeco phone number is 1 (800) 332-3226 for customer support, and customer service representatives are available 24/7. You can also contact Safeco by logging in to your Safeco account online or visiting a local agent. 

How to Contact Safeco

• Call 1 (800) 332-3226 to speak with a customer service representative
• Go to Safeco's website and use the chat function
• Mail your request to Safeco at 175 Berkeley Street, Boston / MA 02116
• Visit a Safeco agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Safeco. For instance, to file a claim, you can file online, over the phone, or through the Safeco mobile app. However, to cancel your policy with Safeco, you will most likely need to call 1 (800) 332-3226.

Safeco Phone Numbers

To learn more, check out WalletHub's full review of Safeco.

Progressive is owned by its shareholders, as it is a publicly-traded company. The biggest shareholders are The Vanguard Group, BlackRock Fund Advisors, and Wellington Management, which have a combined ownership stake of almost 20%, according to public records, as of Q1 2021.

Progressive was founded in 1937 by Joseph Lewis and Jack Green. In 1965, Peter B. Lewis, the son of Joseph Lewis, took over the company. Progressive then went public in 1971. For more information, check out WalletHub's full Progressive review.

To cancel a Progressive insurance policy, call (866) 416-2003 to speak with a customer service representative and arrange for the cancellation to take effect immediately or at a future date. You can't cancel Progressive insurance online, but you can cancel over the phone at any time. Just remember to purchase a replacement insurance policy that takes effect prior to cancellation in order to avoid a lapse in coverage, if you plan to continue driving.

How to Cancel Progressive Auto Insurance

1. Call (866) 416-2003 and follow the prompts to speak to a representative.
2. Provide the date you want the cancellation to go into effect.
3. Pay any necessary cancellation fees.
4. Confirm that you receive a refund for unused premiums.

Progressive says you will be refunded the money you paid in advance for coverage you won't use. Unfortunately, they don't give details about how they pro-rate refunds or whether they charge any cancellation fees. 

Progressive Insurance Cancellation Fees

Customers report a range of experiences with Progressive's cancellation fees. Some were charged 10% of their outstanding premium, while others paid a flat rate of $50 to $65. Many say they paid no fees at all.

The amount you have to pay to cancel Progressive insurance coverage depends on a few factors, like state laws where you live, how far into the policy term you are, and how often you pay your premium. Check your Progressive policy or speak with customer service to confirm what fees (if any) you'll have to pay before you cancel.

How to Decide When to Cancel a Progressive Insurance Policy

It's a good idea to shop around for car insurance and compare quotes from different companies. But make sure you don't lose more in fees by switching policies mid-term than you gain in lower premiums.

It's usually easiest to wait until the end of your policy period to switch insurers—just make sure you have a new policy in place before you cancel with Progressive. Driving without insurance can have serious consequences, and a lapse in coverage of any length can make future rates more expensive.

Yes, Progressive offers a type of gap insurance called loan/lease payoff coverage. Loan/lease payoff insurance helps cover the difference between a totaled car's actual cash value and the policyholder's loan or lease balance, but will only pay up to a maximum of 25% of your vehicle's value toward this difference.

Key Things to Know About Progressive Loan/Lease Coverage

• Progressive loan/lease payoff coverage costs $5 per month.
• Progressive loan/lease coverage does not pay for your deductible, extended warranties, or any balance that you rolled over from previous loans.
• Loan/lease coverage is usually a better investment than purchasing gap insurance from a dealership, where the cost is often rolled into your loan and charged interest.
• Fault is not a factor in loan/lease coverage payouts.

For more information, check out WalletHub's complete guide to gap insurance.

Yes, Progressive: offers rideshare insurance as an optional add-on to a personal car insurance policy for customers who use their personal vehicle to drive for a rideshare company. Progressive: rideshare insurance provides more coverage and has a lower deductible than the insurance offered by Uber and Lyft.

Progressive: does not disclose how much its rideshare endorsement costs, but other companies typically charge 15% - 20% of a driver's personal premium.

Progressive: Rideshare Insurance Coverage

• You are covered by your personal auto policy while the app is on but before you accept a ride request
• No coverage is provided once you have accepted a ride request
• Deductible gap coverage, so you can choose your own Progressive: deductible rather than paying Lyft's or Uber's

Rideshare insurance varies by state, so check with Progressive: to see if their rideshare coverage is available in your location.

Why You Need Rideshare Insurance

In general, rideshare policies are important because the coverage provided by Lyft and Uber varies depending on where the driver is in the process of a ride. When a driver is online and waiting for a ride request, Uber and Lyft provide liability-only insurance.

Once the driver has accepted a ride request, Uber and Lyft provide up to $1 million in liability insurance, plus any other type of coverage required in the state. Both companies also provide collision and comprehensive insurance during this period – for drivers who have these types of coverage on their personal policy. However, Uber and Lyft both have a $2,500 deductible. This deductible is significantly more expensive than the average car insurance deductible of $500. Uber and Lyft provide no coverage at all if the app is not on.

Finally, if you plan on using your vehicle for Uber or Lyft rides, Progressive: requires you to add rideshare coverage to your policy. For more information, check out WalletHub's complete guide to rideshare insurance.

Progressive has two accident forgiveness programs: 1) Progressive customers won't see their rates go up for certain not-at-fault claims of $500 or less and 2) If you've been a Progressive customer for at least five years and accident-free for at least three years, your rate won't go up for having an accident of any scale. The first type of Progressive accident forgiveness applies to all Progressive customers and starts as soon as your coverage does. Eligible incidents include things that are out of your control, such as hail damage or a cracked windshield. The second accident forgiveness benefit works more like a loyalty program.

Progressive accident forgiveness applies regardless of whether you are at fault, and enrollment is automatic in the states where it's available. Unfortunately, Progressive doesn't offer any additional information about which states have accident forgiveness, so you'll have to call with your policy number to see if you qualify.

Accident forgiveness is a one-time benefit that applies to one accident per policy, not one accident per driver. It's also important to remember that the accident still shows on your driving record. That means it will be visible to other insurance companies for three to five years, and it could still cause higher premiums with another insurer.

Progressive windshield replacement is available if you have full coverage. Windshields are commonly damaged by flying or falling objects, acts of vandalism, and severe weather—all of which are covered by comprehensive insurance. If your windshield was damaged in an accident, you will either file a collision claim with your insurer or a liability claim with the other driver's insurance company. It depends on who was at fault. If the accident was caused by another driver, their liability insurance should pay for the damage. If the accident was your fault, you'll use your own collision coverage.

Windshields can often be repaired if the damage is less than 6 inches long (smaller than a dollar bill). Progressive pays for windshield repair if you have comprehensive coverage, so you won't have to pay for anything.

If your windshield must be replaced, you might have to pay your comprehensive deductible. Progressive policyholders in Florida, Kentucky, and South Carolina never pay for windshield repair or replacement under state law. In Arizona, Connecticut, Minnesota, and New York, Progressive customers can choose a low or $0 deductible for glass claims when they set up their comprehensive policy. Check your Progressive policy details prior to making any repairs.

Windshield repair and replacement are usually very affordable, so it might cost less than your deductible. Progressive's glass claims process is quick and can be done online. Most windshield claims are resolved within 48 hours, and the work usually takes an hour or less.

Progressive offers SR-22 insurance to drivers classified as “high-risk” by their state. High-risk insurance is often called SR-22 insurance, but SR-22 is actually not a type of coverage, it's a form verifying that you have met the state's minimum requirements for car insurance coverage.

In most states, Progressive will electronically file your SR-22 document with the department of motor vehicles immediately after you purchase your policy unless they are required by state law to file by mail. The filing fee is usually around $25.

When You Might Need Progressive SR-22 Insurance

Most drivers do not need an SR-22. It's most commonly required if you were driving without insurance or a license, or if you were convicted of a DUI/DWI. In states like Florida or Virginia, you might need an FR-44, which is similar but requires more coverage than an SR-22.

If you do need SR-22 insurance from Progressive, call 866-749-7436 to speak with a Progressive representative. Progressive rates only increase by about 5% nationwide for SR-22 drivers, so it tends to be an affordable option for high-risk insurance compared to other large companies.