If you never bought any auto insurance or exhausted existing auto insurance company plans, you are just a phone number away from Progressive auto insurance! Read the full article to know the details.
Auto insurance is mandatory in the United States of America. Defying this rule can cost you more than you think. You can lose your driving license or charge a penalty in most cases. Auto insurance does not only protect your vehicle if you get into an accident. It also covers you from financial liability, legal consequences, medical expenses, and many other forthcoming problems. Therefore, a person needs to get auto insurance. It’s always better safe than sorry.
The past two years have negatively impacted many businesses in the United States. However, there has also been a lot of innovation by entrepreneurs who transformed their part-time gigs into their primary source of employment. However, these new business owners need guidance when it comes to understanding their risks and the insurance solutions available to them.
Generally, people get anxious and overwhelmed looking for auto insurance, gathering quotes, and choosing the right auto insurance plan. However, Progressive Insurance Company is one of the best options in the market you will find. It is easy to select the company’s best auto insurance plans. Their customer service is prompt and proactive; you will know if you call on progressive auto insurance phone number. Suppose you call Progressive auto insurance phone number. In that case, the representative provides 24/7 help to users, whether they want quotes for insurance, need help to file a claim or assistance at roadside accidents.
For more than 80 years, Progressive Insurance has provided the best auto insurance, commercial auto insurance, home insurance, and renters insurance. True to its name, Progressive is about finding innovative ways to improve the auto insurance industry. It became the first auto insurer to offer drive-in claims service and later the first company to allow clients to pay premiums in installments instead of annual payments. It currently ranks as the third-largest auto insurer company in the USA.
With Progressive auto insurance, you will enjoy affordable coverage options and various discounts. From accidents and windshield damage to lawsuits and more, it offers affordable car insurance coverages to protect against just about anything.
It is as vital to gather all required information regarding auto insurance as it is to get insurance. So, get started to read the full article now and enjoy peace of mind behind the wheel.
Table of Contents
- 1 Progressive commercial insurance
- 2 Commercial auto insurance for small businesses at Progressive
- 2.1 What is progressive commercial auto insurance?
- 2.2 Customized coverage to match your business
- 2.3 Commercial auto coverages at Progressive
- 2.4 Customer service at Progressive commercial auto insurance
- 2.5 Progressive’s claim process for car accidents or vehicle damage
- 2.6 Claims process for windshield and glass repairs
- 2.7 Commercial auto claims
- 3 Progressive home insurance
- 4 Progressive renters insurance
- 5 Progressive insurance quote
- 6 Conclusion
Progressive commercial insurance
Progressive insurance is one of the most trusted and highest-rated commercial auto insurance companies in the U.S. It is currently the No. 1 commercial auto insurer in America with an A+ rating from A.M. Best. The company insures over 1 million commercial vehicles between hundreds of thousands of small businesses across the nation.
Since its inception, Progressive has constantly pushed its boundaries to bring a diverse portfolio to its customers. Progressive Commercial Insurance provides a full range of business insurance products with competitive rates and ace quality service. They have customized insurance solutions for both heavy and light commercial vehicles and business insurance coverages, including general and professional liability, workers’ compensation, business owners’ policies, and more.
Progressive is the largest seller of commercial auto insurance in the United States, making it a must-look when shopping for business auto insurance. However, Progressive serves as an intervenor for other types of business insurance, like general liability or workers’ compensation. You must directly reach the source for that coverage unless you plan to bundle your business insurance with an existing Progressive car insurance policy.
Progressive’s commercial insurance products
Consumers can purchase various commercial insurance products through several trusted Progressive Advantage Business Program providers. Progressive insurance provides the following products as part of their commercial insurance products.
Commercial auto insurance products
- Truck insurance
- Tow truck insurance
- Van insurance
- Box truck insurance
- Dump truck insurance
- Food truck insurance
Business insurance products
- General liability insurance
- Workers comp insurance
- Contractors insurance
- Business owners policy
- Professional liability insurance
- Cyber insurance
Premiums at Progressive commercial insurance
According to Progressive Commercial, the average policy premium costs are:
- Business owners policy: $84 per month
- General liability insurance: $53 per month
- Professional liability insurance: $46 per month
- Workers’ compensation insurance: $86 per month
- Commercial auto insurance: $188 per month
Commercial auto insurance for small businesses at Progressive
Progressive claims to be the number one commercial auto insurance provider in the United States of America. Commercial auto insurance is a liability and physical damage protection for vehicles, such as cars, trucks, and vans used for business. Commercial vehicles require a separate policy because these are more prone to risk than personal vehicles.
Commercial auto insurance is not just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools, or transport clients might also need a commercial auto policy.
What is progressive commercial auto insurance?
Commercial auto insurance coverage helps businesses that own and operate motor vehicles. Progressive provides insurance for personal and commercial autos and trucks, motorcycles, boats, recreational vehicles, and homes. It comes under the top 5 auto insurers in the country, a leading seller of motorcycle and commercial auto insurance. However, you can customize your coverage to meet the needs of your business. Commercial trucks’ specific coverage options include earned freight coverage and trailer interchange insurance.
Progressive insures the following types of commercial vehicles:
- Cars and SUVs, including those with dual-use (personal and business).
- Motorhomes and RVs.
- Pickup trucks.
- Tow trucks.
- Box trucks.
- Dump trucks.
Progressive does not offer commercial auto insurance for emergency vehicles, race cars, or wheelchair buses, among other specialty vehicles.
Customized coverage to match your business
Choosing the coverage that meets your business requirements and protects you from your business and earning loss is essential. A usual commercial auto insurance quotes include:
- Physical Damage
- Medical Payments
- Uninsured Motorist
- Hired Auto
- Non-Owned Coverage
- Any Auto
The Progressive can also adjust your policy according to seasonal changes to keep your rates slow and coverage steady.
Commercial auto coverages at Progressive
Progressive divides its commercial auto insurance coverage into two sections for customers’ convenience.
- Driver protection:
It helps pay your medical expenses if you or a passenger receives any injury while driving a commercial vehicle.
- Medical Payments
- Personal Injury Protection
- Pet Injury Coverage
- Liability protection:
Basic coverage covers injuries or damage to other people or property if you’re at fault for an accident.
- Bodily Injury
- Property Damage
- Uninsured Motorist
- Vehicle protection: This coverage protects against damage to your vehicle due to collision or any other mishaps that become the cause of injury.
- Physical Damage
- Individual Named Insured Endorsement
- Fire and Theft with CAC
- Truck protection: Trucks share many coverages as other commercial vehicles. Here are some that are more specific to trucks.
- Motor Truck Cargo
- Motor Truck General Liability
- Non-Trucking Liability
- Rental Reimbursement with Downtime
- Trailer Interchange
- Specialty coverage: Some small businesses require additional coverage to already existing policies.
- Non-Owned Car
- Any Auto
- Hired Auto
- Drive Other Car
- Single Deductible Endorsement
- Tow coverage: Tow trucks share many of the same coverages as any other type of commercial vehicle. Some inclined more towards tow trucks.
- Garagekeepers Legal Liability Insurance
- On-Hook Towing Insurance
Although insurance companies look at similar factors to determine rates, each has its quoting criteria. This can result in differences in rates among insurers. For that reason, it is helpful to compare car insurance rates from different companies to find the best price.
Customer service at Progressive commercial auto insurance
To help its customers, Progressive’s representatives assist 24/7. Progressive understands that business timings are not like white-collar jobs; hence whenever a customer needs information regarding commercial auto insurance or other details, the 24/7 service is available.
Progressive’s claim process for car accidents or vehicle damage
Auto insurance claims are easy to file at progressive insurance. Progressive representatives help customers through the process and ensure their repairs quickly and efficiently get handled. The company strives to get customers back on the road as soon as possible.
Submit your claim
You can file a claim through a mobile app, online, or by calling progressive auto insurance phone number 1-800-776-4737. We just need some basic info from you to get started. The representatives will connect you with the right experts at the right time to make sure everything sorts out elegantly. You can contact a claims representative if you have questions, and he will direct you to an estimator who will inspect your car and write an estimate describing the cost of repairs.
Inspection and repair options
A representative will give you two options: getting your repairs completed or receiving payment on behalf of a company. To be sure, you can get an estimate first to see how much repairs cost or what your payment is for the repairs. If you finance or lease your car, your lender may require you to get the repairs. If you are not getting repairs, the company will simply send you a payment for the damage cost to repair. To not cause more trouble to customers, the company offers its convenient network shop locations.
Schedule your repairs
Your representative schedules repairs through a network repair shop or any other shop you like to help you get through the process smoothly.
No matter which shop you choose, the company manages the repairs from start to finish. If you used a shop in our approved network, we guarantee your repairs as long as you own or lease your vehicle.
Claims process for windshield and glass repairs
Follow the given below process to claim your windshield and glass repair.
Submit your claim
You can submit your claim through our mobile app, online, or by calling a given progressive auto insurance phone number and providing some basic info. A representative will walk you through your coverage and the next steps. You will require a few more details to determine if your glass is repairable or replaced. Further, explain your costs and the benefits of getting it fixed right away. It is customers’ choice of getting repair or replacement done. Progressive recommends Safelite Auto Glass or one of its affiliate shops to provide you with a quick and easy repair option.
In most cases, they can repair or replace your glass at your home or work, or you can go to one of their shops. It usually takes less than 30 minutes for repairs and 60 minutes for replacements. Safelite Auto Glass even guarantees their work and cleans out your car for free. So, hurray!
If your glass is repairable (and you have comprehensive coverage), you do not have to pay anything. If it is a complete replacement, you may have to pay your deductible, depending on your state. It is possible to see a minor blemish on the repaired spot. The company will replace your windshield if you’re not satisfied, though you have to pay your deductible, depending on your state.
Commercial auto claims
Progressive is available 24/7 to handle your claim, answer your questions, and help you get back in business as quickly as possible. After you call, a claim representative will contact you, generally by the end of the business day. They will answer your questions and schedule an inspection of your vehicle. Following claim handlings will help you understand why Progressive handles its claim efficiently and effectively.
- Commercial auto claims handling:
Our commercial auto claims handling department offers the same remarkable claims services as our personal auto insurance customers enjoy. Learn more about commercial auto claims handling.
- Commercial truck claims to handle:
Specialized training and management enable our commercial truck claims representatives to offer speed, knowledge, and customer service well above industry standards. Learn more about commercial truck claims handling.
Progressive home insurance
Progressive offers homeowners insurance through its Progressive Home Advantage network of insurers, including its American Strategic Insurance unit. While the insurance policy gets sold under the Progressive label, the details vary based on the particular carrier ultimately writing your policy.
Progressive ties for tenth place in Us news rating of the Best Homeowners Insurance Companies of 2022. It offers homeowners insurance through third-party insurance companies, which vary from state to state. Let’s give you a brief overview of progressive home insurance, and for the in-depth explanation, continue to read.
- You can easily compare rates from other insurers through Progressive.
- Progressive offers bundle deals and discounts for signing up early and getting documents by email.
- Unlike its auto insurance’s in-house dealing, the third-party companies offer and present the homeowner insurance. Though it is under the label of Progressive, the ultimate transaction will be between third-party companies and consumers.
- The discount for bundling home and auto is currently less than competitors offer.
The main advantage of working with Progressive is its online HomeQuote tool, which allows its customers to compare quotes from multiple homeowners insurance providers. The program imports data about your home from public records whenever needed, saving you the time to input all the information yourself.
Progressive also offers a wide array of discounts for things such as agreeing to receive documents by email, signing up at least ten days before you need a policy, paying in advance, and having a relatively new home. Furthermore, it offers a discount for bundling home and auto insurance, though at only 5% of the advertised level, which is less than other companies in our rating offer.
Progressive does provide optional coverage for things like water back-up that affects your home and personal property and liability for personal injury suits, including libel suits. Flood, sinkhole, and earthquake insurance is not included in a standard policy; however, these are often available through Progressive.
How Do I Buy Progressive Homeowners Insurance?
Buying homeowners insurance with Progressive is straightforward. You can compare quotes using their HomeQuote explorer tool. If the customer needs detailed information, Progressive’s 24/7 representatives are always available through phone number.
Progressive will help you identify information about your home using various online services. However, it is good to know the building dates of your home and any unique valuables you might want more insurance for on hand.
Progressive renters insurance
Renters looking to protect their staff can rely on affordable renters insurance from Progressive; however, coverage cost goes beyond your personal belongings. A renters policy may also pay for medical bills if someone gets hurt at your residence and you are liable, or additional living expenses if your home is unlivable due to a covered loss.
Renters insurance aims to cover unexpected events, including theft of your personal property and injuries you are liable for to visitors. When you quote renters insurance with Progressive, you can customize your coverage and limits.
Progressive has set down a few standard coverages for its renters’ insurance considering the involvement of higher risks. Let’s give you a brief overview of their coverage types and essentials.
Personal property coverage provides coverage for clothing, electronics, furniture, tools, and appliances. These items may cover incidents, including fire, theft, vandalism, tornadoes, and water damage. You can need extra coverage for jewelry, art, and collectibles, which you can add during the renters’ insurance quote process. For instance, there has been a robbery at your place, and the robbers steal your couch. Your personal property coverage may reimburse you the cost to replace the couch, up to your policy’s limits, minus your deductible.
If you are responsible for someone’s injuries at your residence, personal liability coverage may pay for their injuries up to the limits of your policy. For example, you host a party, and one of your guests slips and falls. If you are liable, renters insurance may pay for medical expenses, lost wages, and court/legal fees in case of a lawsuit.
Loss of use
If your place gets damaged and uninhabitable due to a covered loss, ‘loss of use coverage’ may help pay for lodging and grocery expenses. Let’s say your apartment’s kitchen gets damaged due to a cooking fire, and you have to stay in a hotel for a week during repairs. You might receive reimbursement for hotel and dining expenses above what you usually spend on groceries or dining out.
Who needs renters insurance?
Renters insurance is for anyone renting an apartment, home, condominium, or other living space. If the landlord rents out a house, they can call the progressive helpline for a specialized policy. Moreover, if your landlord or complex requires insurance, the company will send proof of insurance to your landlord or complex. If a tenant loses personal belongings in an event, the landlord will not cover anything. Therefore, it is important to have renters coverage to help protect your belongings.
The amount of coverage needed primarily depends on two factors:
- How much personal property do you have? Taking a home inventory can help you determine the combined worth of all your stuff. Use our personal property calculator to determine how much coverage you want to start with.
- What is your net worth? If you are liable for someone else’s injuries or property damage, you need at least enough personal liability coverage to cover what you have to lose.
Progressive insurance quote
With Progressive insurance, you can swiftly get your insurance quotes. It takes no more than five minutes to provide customized protection at your desired price. Progressive commercial auto insurance rate comparison tool helps you shop more innovatively with an easy way to compare car insurance quotes online. Just pick the coverages you want, view the rate, and then answer a few questions to compare car insurance quotes from different companies. There are three steps to reach the selection:
- Quote: Get a quote that includes all the vehicle insurance coverages you want. When you quote, make sure to list everyone who regularly drives your vehicle.
- Compare: First, the tool will show you the direct rate. Then, you can compare auto insurance rates from other companies by looking for the “compare rates” callout.
- Save: Once you compare auto insurance quotes, you are one step closer to finding the cheapest car insurance rate that will match your coverage needs.
Progressive insurance is the third-largest insurance company in the USA. Its massive network of insurers plays a vital role when it helps consumers find the best insurance policy. Among all other insurances such as renters, homeowners, or life insurance, Progressive only provides in-house insurance service for auto insurance. It is known as the best auto insurance provider in the USA. For 24/7 assistance, customers only need to call on Progressive auto insurance phone number. The representatives help customers with everything related to insurance policies.