Do You Want Extra Coverage With Progressive Auto Insurance?

Assessing Your Needs

Progressive offers core liability, collision, and comprehensive coverage. Before adding extras, review how often you drive, your vehicle's value, and any personal risk factors such as high traffic areas or frequent parking on the street.

Common Optional Coverages

Progressive lists several add‑ons that can protect you beyond the basic policy:

• Uninsured/Underinsured Motorist Coverage – protects if the at‑fault driver lacks sufficient insurance.
• Medical Payments/Personal Injury Protection – covers medical expenses for you and passengers.
• Roadside Assistance – includes towing, lockout, and battery jump‑start services.
• Rental Reimbursement – pays for a rental car while your vehicle is being repaired.
• Gap Insurance – covers the difference between what you owe and the car's current value if totaled.

Evaluating Value vs. Cost

Each add‑on has a deductible, premium impact, and coverage limits. Compare the cost of the extra premium against the potential benefit. For example, if you live in an area with many uninsured drivers, the uninsured motorist option may be prudent. If you rarely travel far, roadside assistance may be unnecessary.

How to Add or Remove Coverages

You can adjust your coverage online through your Progressive account, by calling the customer service number, or by speaking with an agent at a local office. When making changes, request a written estimate of the new premium so you can budget accurately.

Consideration for Long‑Term Plans

Some extras, like rental reimbursement or gap insurance, are most valuable for newer or leased vehicles. As your car ages, the need for gap coverage diminishes, while medical payment coverage remains relevant regardless of age.