Progressive Insurance Company is an insurance company that offers a wide variety of insurance coverage types, including the following...
Progressive Ins. was founded in 1937 and is based out of Mayfield Village, Ohio, but Progressive Auto Ins. actually operates in more than 50 cities nationwide.
If you are just starting to learn about insurance, it might be helpful
to learn key terminology. Progressive as well as other companies have a
definitions page to help clear up any misunderstandings.
One thing that you may not realize is that the Progressive Insurance Company, as well as most other insurance companies, tend to check your credit scores when you apply for a policy. This helps them determine how likely you are to pay premiums, etc.
If you haven't checked your credit rating yet this year, it's always a good idea to keep tabs on it. There's the concern of identity theft, but there's also plain old human error to be considered. You can check yours here.
There are a few places where they'll let you check all three of the major credit score agencies, like Free Score 360. Their form is the shortest and quickest way to do so. If you have an issue with your credit to deal with, it's good to know before you start applying for insurance quotes.
Canadian residents, you can also get a Free Credit Report to check your own credit rating before you approach an insurance company.
Progressive Auto Ins. has more than 30,000 agents throughout the United
States. Online, claims, and phone information is available 24/7. Be
aware that rates may differ, depending on how you choose to obtain them.
Make sure you compare quotes with other insurance agencies before
signing up with Progressive Insurance.
I've found that the best option is to use one of the free online quote services and let them to do the "footwork" for you. Here's a few that are pretty reliable to get the job done...
Other things that you need to be aware of when choosing insurance are
the common myths associated with it. Some of these include car color equals price of insurance (red = higher rates). This is false.
Instead, companies would rather know the year, make, model, body type, engine size and age of your car, as well as drivers on your policy.
Another common myth is that one speeding ticket will make your car insurance premiums increase. Actually, it usually takes two, but the speed and your overall driving record impact this also.
A third myth is that insurance companies are not monitored. In truth, each state monitors their own insurance companies.
Fourth, you might assume that you just need minimal car insurance. What you need to consider also is what may happen in serious accidents.
Also, do not assume that if someone else drives your car, you will not be held responsible. Actually, most states do hold you responsible. Additionally, even if the driver has his or her own insurance, you need to pay for whatever his or her insurance does not cover.
Moreover, you might think that older cars are less expensive to insure. In fact, mileage, how much coverage you want to have, and the driver all make a difference.
Whether or not you smoke has no influence on your auto insurance rates, but they would affect your health insurance rates.
Plus, don’t think that neighbors have similar rates. Age, driving record, and car type all impact your insurance rates. What's more is that the magic age of 25 really isn't so magical. If all your information remains the same, probably your rates will be similar.
In addition, don't assume that comprehensive coverage takes care of everything — it doesn't. In fact, it only covers fire, theft, vandalism, weather (hail, floods, etc.), and vehicle collisions with animals. It does not cover other types of collisions, which is why you also need collision coverage.
Finally, buying all of your insurance (house, car, etc.) from the same company doesn’t always give you the cheapest prices. In truth, using a variety of companies may be the best deal for you in the end. Yes, you can get multiple policy discounts, but you won't really know for sure if that's your best option until you take the time to check.
Progressive Insurance Company is one of the places you can learn more about auto insure if you don't find what you are looking for here.
~ Article submitted by a guest writer.