Progressive began in 1937, and over the years, we have worked hard to build a superior proposition for progressive auto insurance consumers through competitive pricing and by continuously improving our products and services. Today, we offer competitive rates and 24-hour, in-person and online services to all drivers throughout the United States.
Today, Progressive customers can purchase auto insurance directly from us online or by phone, or they can purchase from independent insurance agents. Prices vary based on how our customers choose to buy.
Tricia Griffith, president and chief executive officer since July 2016, leads Progressive in our quest to become U.S. consumers’ # 1 choice for auto insurance.
Headquartered in the Cleveland suburb of Mayfield Village, Ohio, Progressive has more than 33,000 employees in almost 400 offices throughout the country. Progressive people enjoy a casual dress code and a unique work environment where all are required to risk, learn, grow and perform. Progressive’s larger locations house one of the country’s largest, most eclectic contemporary art collections.
Communicating a clear picture of Progressive by stating what we try to achieve, how we interact with customers, and what guides our behavior permits all people associated with Progressive to understand what we expect of ourselves and each other and how we conduct our business.
Car insurance is an integral part of the insurance budget. There are a lot of variables that cause the rates to increase or decrease. Some of these variables can not be controlled by the insured but there are some things the insurance buyer can do to keep their policy reasonable without losing a lot in protection.
What Are Your Assets?– Do you own a home? Do you have several vehicles? Do you own a business? Do you rent an apartment? Your strength in assets is a factor when selecting your liability limits. If you accidentally injure or kill someone in an automobile accident and you carry low liability limits on your car policy then your assets are next in line to be used to pay for the damages.
The Age of the Vehicles– Newer vehicles usually require physical damage coverage by the lender. Older vehicles with a lot of miles sometimes do not warrant physical damage. Physical damage rates can be adjusted up or down based on the deductible you choose.
The Age of The Drivers– Adult rates, senior adult rates, and rates for young drivers make a huge difference in the overall rate. Young drivers on vehicles with physical damage coverage can be very costly.
What are the Discounts?– There are a number of discounts on car policies. The multi-policy discount is given by insurance companies for purchasing both auto and home insurance. Retirement discounts are available to the senior adult. Young drivers receive discounts for drivers training education. Some companies give good student discounts for young student drivers that maintain a 3.0 grade point average.
Full Tort or Limited Tort– Many states have a discount for selecting a limited tort option. Tort is your right to sue for pain and suffering damages over and above the basic liability settlement. This varies from state to state.
This is the overall picture what insurance companies use to determine your individual rate. You have a choice when it comes to liability, physical damage, and tort options. Ask plenty of questions about these three areas when purchasing car insurance.