Progressive: Technology-Driven Auto Insurance Savings
Why we partner with Progressive: innovative usage-based insurance and a seamless digital experience for tech-savvy drivers who value control and savings. Available through FoCoIns with expert guidance and claims advocacy.
Claims Information
24/7 Claims Hotline: 1-800-776-4737
Online Claims: progressive.com/claims
Mobile App: Progressive Mobile App (supports claims reporting and tracking)
85+ Years in Business
Established 1937 - Evolved from reinsurer to a top U.S. auto insurer known for innovation
20+ Million Customers
One of the largest auto insurers serving millions with direct digital and phone sales
Colorado & Utah Coverage
Focused presence offering coverage complemented by strong digital tools in these states
Industry Recognition
2023 J.D. Power #1 in Auto Claims Satisfaction; AM Best A+ Rating; Fortune 100 Best Companies to Work For
What Makes Progressive Stand Out
Why we recommend Progressive for drivers seeking savings and innovation through telematics and digital-first service.
Usage-Based Insurance Technology
What it means for you: Progressive’s Snapshot program rewards safe driving with discounts based on actual driving behavior, potentially lowering your premiums while encouraging safer habits.
Real example: Alex, a young urban driver, reduced her auto insurance cost by 20% after enrolling in Snapshot and demonstrating safe braking and mileage habits.
Best fit for: Tech-savvy, cost-conscious drivers who want personalized pricing and are comfortable with digital tools.
Fast and Transparent Claims Process
What it means for you: Progressive offers quick claims resolution, with many lower-severity claims handled on the same day and real-time tracking via app or online portal for transparency.
Real example: After a fender bender, a customer filed a claim through Progressive's app and received payment within five business days, avoiding long waits typical in the industry.
Best fit for: Drivers who value fast, convenient claims service and prefer handling claims primarily online or by phone.
Financial Strength and Stability
What it means for you: A+ (Superior) rating by A.M. Best underscores Progressive’s strong financial health, ensuring claims are paid promptly and the company remains reliable long-term.
Real example: During extreme weather events, Progressive’s financial solidity allowed uninterrupted claims processing and support for customers in affected areas.
Best fit for: Customers seeking assurance of insurer reliability and consistent claim fulfillment.
Market Leadership with Direct-to-Consumer Model
What it means for you: Progressive’s direct sales model cuts out agent commissions, helping keep rates competitive while providing extensive online and phone support for streamlined service.
Real example: Many urban customers who prefer digital self-service enjoy quick quotes, policy management, and claims filing without needing to meet an agent in person.
Best fit for: Independent drivers who prefer managing insurance digitally and appreciate transparent pricing without traditional agent involvement.
Progressive Coverage Specialties
- Auto Insurance: Telematics-driven pricing via Snapshot for personalized savings and features like Name Your Price® tool
- Homeowners & Renters Insurance: Bundled options with competitive rates and pet injury coverage
- Commercial Insurance: Offering AI-enhanced underwriting and parametric products for innovative risk management
- Cyber Insurance: Specialized solutions through strategic partnerships tailored for small-to-mid-sized businesses
Filing Claims with Progressive
24/7 Claims Hotline: 1-800-776-4737
Online Claims: progressive.com/claims
Mobile App: Progressive Mobile App (supports claims reporting and tracking)
Step 1: Report Your Claim
- When to call: Within 24 hours of accident or damage discovery
- What you'll need: Policy number, date/time and details of incident, photos if available, police report if applicable
- Phone: 1-800-776-4737
- Online: Report via Progressive’s claims portal or mobile app for quick submission
Step 2: Initial Assessment
- What happens: Claims team reviews information and contacts you if further details are needed
- Timeline: For minor claims, assessment same day; 1-3 days for complex claims
- Your role: Provide requested documents and respond promptly to adjuster communications
Step 3: Investigation & Evaluation
- Adjuster assignment: Adjuster assigned for moderate to severe claims
- Documentation: Photos, repair estimates, police reports, and witness statements as needed
- Inspection process: May require shop inspection; Progressive offers approved repair shops with guarantees
Step 4: Settlement & Resolution
- Payment process: Direct deposit or check issued typically within 5–7 days after claim approval
- Repair coordination: Works with approved shops to ensure quality repairs with lifetime guarantee
- Timeline: Many minor claims resolved in days; complex claims depend on investigation scope
Customer Service Options
General Customer Service
- Phone: 1-800-776-4737 (Mon–Fri 8am–8pm ET, Sat 9am–5pm ET)
- Online Account: progressive.com
- Mobile App: Progressive Mobile App
Policy Changes
- Manage policy changes online via account portal or call customer service
Billing Questions
- Contact customer service phone or manage payments online
Technical Support
- Support available through mobile app help and website FAQ; call customer service for unresolved issues
Claim Filing Tips for Progressive
Before You File
- Document the accident with photos and detailed notes immediately
- Gather contact info from other parties and witnesses
- Review your policy so you understand coverage limits and deductibles
During the Process
- Keep logs of all communications with Progressive representatives
- Submit all requested documents promptly to avoid delays
- Use the mobile app to track claim status for convenience and updates
After Settlement
- Review your coverage and discounts periodically to adjust as needed
- Maintain safe driving habits to maximize Snapshot savings and future discounts
Progressive Digital Tools & Apps
Online Account Portal
- Instant quotes and policy management tools
- View and pay bills securely online
- File and track claims with real-time updates
Access: progressive.com
Progressive Mobile App Features
- Real-time Snapshot driving feedback and rewards
- Submit and track claims easily via the app interface
- Access ID cards and policy documents on-the-go
- Request roadside assistance with quick phone connection
Download: Available on iOS and Android
Progressive Payment Options
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Available Payment Methods
- Automatic Payment: Bank account or credit/debit card; may qualify for convenience discounts
- Online Payment: Via website with no fees
- Phone Payment: Call customer service to pay by card; no additional fees
- Mail Payment: Send check or money order to declared address; allow 5–7 days processing
- In-Person: Not applicable; Progressive primarily direct digital or phone payments
Payment Schedules
- Monthly: No fee but may have slightly higher total cost
- Quarterly: No explicit discount; more manageable payments
- Semi-Annual: No specific discounts posted
- Annual: Typically offers lowest total cost; may have discounts for full pay upfront
Auto Insurance Discounts
- Snapshot Safe Driving: Enrollment in telematics program - Save up to 30%
- Multi-Car Discount: Insure multiple vehicles - Save up to 15%
- Good Student Discount: Full-time students with B average or above - Save up to 15%
Home Insurance Discounts
- Multi-Policy Discount: Bundle auto and home policies - Save up to 25%
- Protective Devices: Smoke detectors, security systems - Save varies by device
Multi-Policy Discounts
- Bundled Coverage: Combine auto and home or renters insurance - Save up to 25% on both policies
Is Progressive Right for You?
Progressive Works Best For:
Tech-Savvy Drivers
- Comfortable with digital apps and online service
- Interested in usage-based insurance savings
- Prefer self-service and quick claims management
Price-Conscious Consumers
- Seeking personalized premium discounts based on driving habits
- Willing to share driving data for savings
- Looking for bundling options to reduce overall insurance costs
Young and Urban Drivers
- Low to moderate annual mileage
- Prioritize convenience and immediate digital access
- Benefit from telematics-based pricing and discounts
Consider Other Options If:
- You want in-person agent relationships and personalized face-to-face service
- You have complex insurance needs best served by local broker expertise
- You prefer traditional pricing models over telematics and data sharing
Our job is finding the right fit for your specific needs. If Progressive isn't ideal for your situation, we'll help you find who is.
The FoCoIns Advantage with Progressive
Why Choose Progressive Through FoCoIns
Expert Guidance
FoCoIns team knows Progressive's products and telematics technology deeply, helping you select the best coverage and discounts for your profile.
Claims Advocacy
We assist you through Progressive’s claims process, ensuring quick resolution and protecting your interests every step of the way.
Ongoing Review
FoCoIns regularly reviews your policy to recommend optimization, savings opportunities, and coverage adjustments as your needs evolve.
Local Support
Based in Colorado and Utah, FoCoIns connects you to community resources while blending Progressive’s digital strengths with local expertise.
Why Choose Progressive Through FoCoIns
Expert Guidance
FoCoIns team knows Progressive's products and telematics technology deeply, helping you select the best coverage and discounts for your profile.
Claims Advocacy
We assist you through Progressive’s claims process, ensuring quick resolution and protecting your interests every step of the way.
Ongoing Review
FoCoIns regularly reviews your policy to recommend optimization, savings opportunities, and coverage adjustments as your needs evolve.
Local Support
Based in Colorado and Utah, FoCoIns connects you to community resources while blending Progressive’s digital strengths with local expertise.
Progressive vs. The Market
Stronger in: Usage-based insurance innovation, digital claims processing speed, financial stability, and direct-to-consumer pricing efficiency
- Leads in telematics pricing with Snapshot rewards tailored to safe drivers
- Highly rated for quick claims resolution and digital ease of use
Competitive in: Product breadth including auto, home, renters, and commercial insurance; customer discounts; financial ratings
- Offers competitive bundling discounts and multi-coverage options
- Solid online and phone-based customer support experience
Consider alternatives for: Drivers seeking personal agent relationships, those uncomfortable with telematics data sharing, or requiring niche local expertise
- Traditional agent service and face-to-face consultation
- Non-standard risk profiles best served by specialty carriers