Car Insurance FAQ

No. Buying directly by quoting online or calling instead of going through an agent could result in different prices for Progressive policies because these areas of our business make independent decisions about the expenses they incur and the prices of their products. When buying through an agent or broker, your rate includes the commission paid to the agent or broker for selling the policy. When you buy directly from Progressive, the rate reflects the cost of building, staffing, and maintaining the sales centers and marketing costs of that aspect of our business.

No matter how you purchase your Progressive car insurance policy, you'll always receive the benefits and services we offer to all of our customers, including unparalleled 24/7 claims support and online service.

• Log in online
• Get the Progressive mobile app
• Pay via text
• Call 1-800-776-4737
• Set up automatic payments
• Send a check by mail

You can pay for your car insurance policy with a credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. Some methods of payment may not be available in certain situations.

You can always pay online by logging into your policy or downloading the Progressive app to your smartphone.

When paying online or by phone, we'll accept your payment right away. For automatic payment setup, your payment will be accepted on the regularly scheduled date. If you mail your payment, we'll note the postmark date on your envelope and consider your payment to be made on that date.

We consider the postmark date on the envelope as your payment date, so as long as your payment is postmarked by the due date, it's considered to be on time.

We give you the option of paying monthly or in full, whichever fits your budget best. However, you'll earn a nice discount if you pay for your six-month policy up front.^*

Progressive, like other auto insurance companies, groups customers based on similar characteristics, evaluates their claims experiences within these groups and determines what to charge individuals with characteristics similar to members of the group. We charge a higher rate for customers more likely to have claims and a cheaper car insurance rate for customers less likely to have claims. Progressive also determines rates based on acquisition and operation costs.

Depending on your state, Progressive uses credit-based insurance scores and we also consider the type and value of the vehicle, your driving record, location, gender, age, and other factors to determine your insurance premium.

To receive rates for other auto insurers in your state, you must get a Progressive quote online first or call us directly at 1-800-776-4737. Once you receive your quote, answer a few more questions to compare our car insurance rate with rates from other leading car insurance companies.

You can get an online quote in minutes with Progressive. If you prefer to chat with someone about your options, you can also call 1-800-776-4737 for questions about auto insurance or to quote over the phone.

Several factors can influence a rate change between the time you received your quote and when you decided to purchase your policy. If it's been a few months since you received your quote, rates may have been revised in your area, which could decrease or increase the price you pay for your car insurance policy. If you recently received a quote, it's possible that something on your driving record — or the driving records of others on your policy — prompted a change in the quoted price. Please contact us at 1-800-776-4737, and we'll assist you.

The only way your rate will change mid-policy term is if you make changes to your policy. For instance, if you add or subtract drivers and/or vehicles, adjust coverages, or change your address, your rate will change. However, your rate won't increase during your policy term due to an accident, a violation, or a filed claim.

Most basic coverages, such as liability, collision, comprehensive, personal injury protection, medical payments, and uninsured motorist coverage are offered by major companies. However, discounts, specialized coverages, and auto insurance rates can vary between companies. For instance, not all companies offer loan/lease payoff coverage (which is similar to gap insurance), student discounts, good driving discounts, or deductible reductions.

Yes. Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. Each state also has regulators who review the rates that companies charge.

During your Progressive quote, you won't be able to select auto insurance coverages that don't apply to you. If you're unsure about what optional coverages to select, use the coverage help provided during your online quote, or chat with a licensed insurance representative using the "Talk to Me" option. If you're getting a quote by phone or through a local independent agent, feel free to ask questions throughout the quoting process.

Yes, and it's easy to change your policy, too! Log in to your policy anytime to add or remove vehicles or drivers, change addresses, pay bills, and more. Or call us anytime at 1-800-776-4737, and a Progressive insurance representative will assist you. Keep in mind that some changes will affect the price you pay for insurance, so your premium may change.

Your personal auto policy with Progressive can cover you while driving a rental car, up to the extent of coverage you have for your own vehicle. For instance, if you have comprehensive coverage on your car, that protection will extend to most rental vehicles.

Additionally, if you have rental car reimbursement on your policy and your car is damaged in a covered accident, Progressive will pay for a rental (up to a specified limit and timeframe) while your own car is being repaired.

In most states, the answer is yes. However, the vehicle must be parked regularly at your residence overnight for Progressive to insure it on your policy.

If you lend your car to someone and they cause an accident, Progressive may cover some of the damages they're liable for. Whether the damages are covered depends on the accident, your coverage limits, the specific damages, and other factors. Learn more about how insurance works when borrowing cars.

If you make an adjustment to your policy, the change may be effective immediately; in specific situations, you can choose the effective date. Certain restrictions may apply to some changes, so call us at 1-800-776-4737 for further assistance or with questions.

No. Simply update your existing policy to reflect your current situation. We're happy to help with any changes.

With Progressive, you have 30 days to transfer your insurance to your new car. The coverages you have on your previous vehicle will still apply to your new car during that period. Simply log in or call us at 1-800-776-4737 to add the vehicle to your policy. Learn more about insuring a new car.

Absolutely. Our easy-to-use online customer service site lets you make changes to your policy at any time.

Yes. You can switch insurers at any time, even if you just renewed your policy with another insurance company. When you cancel with an insurer, you'll get a refund for the money you paid in advance.

Yes. Progressive representatives are available to help you 24/7 at 1-800-776-4737.

If you're financing or leasing your vehicle, you'll be prompted to select the lender upon purchase of your policy when quoting online. If your vehicle's lienholder changes, you can update the information by logging into your policy or calling us at 1-800-776-4737.

Auto policies can't be cancelled online, but you may cancel your policy over the phone, by mail, or via email.