There are many common auto insurance discounts and incentives offered by insurers, such as multi-policy discounts and accident forgiveness. However, there are a variety of other incentives that you may be less familiar with, such as going paperless or signing online. Check out some lesser-known options for reducing your car insurance rate with Progressive. You'll get another discount when you pay your policy in full in advance.
If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. If you don't have any gaps or cancellations in your insurance history, you'll usually get a lower car insurance rate. If you're comfortable signing your documents online (securely), that's another simple way to reduce car insurance. Progressive offers a discount for good students if parents add an eligible teen driver to their policy to reduce the cost of insuring new drivers.
There are a variety of factors that affect your car insurance rate, such as your age, location, driving history, use of the vehicle, accidents, type of vehicle, and more. Your insurance company will stop charging you for the accident after several years (the duration varies by insurer and state). This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.
You can change insurers at any time, even if you just renewed your policy with another insurance company. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. On average, car insurance rates are higher when you're younger and decrease (or stabilize) as you age.
Adding your spouse to your car insurance policy offers some small but favorable benefits, including potentially lower costs and the convenience of having a single policy. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims.