How to Get a Progressive Auto Insurance Quote for Your New Car

Key Factors Progressive Uses for New‑Car Quotes

When you request a Progressive quote for a new car, the company evaluates vehicle specifics (make, model, year, safety features), your driving record, location, and intended mileage. Age, credit history, and any existing Progressive policies also influence the premium.

Gather the Required Information First

Before you start the online process, have your driver's license, vehicle identification number (VIN), and details about any existing coverage ready. If you're financing the car, note the lender's requirements, as they may mandate certain minimum coverages.

Online Quote Process

Visit Progressive's website and select "Get a Quote." Enter the vehicle information, then provide personal details and driving history. The system will generate an estimate instantly, showing base liability, collision, comprehensive, and optional coverages like roadside assistance.

Comparing Coverage Options

Progressive offers several add‑ons that may be relevant for a new car:

• Gap insurance – covers the difference between the loan balance and the car's value if it's totaled.
• New car replacement – pays for a comparable new vehicle if yours is written off within a set period.
• Ride‑share coverage – essential if you plan to drive for platforms like Uber or Lyft.

How to Lower Your Premium

Consider bundling auto with home or renters insurance, installing anti‑theft devices, and maintaining a clean driving record. Progressive's "Name Your Price" tool can also suggest adjustments to coverage limits or deductibles that reduce cost while meeting legal requirements.

When to Contact an Agent

If the online estimate seems high or you have unique circumstances (e.g., multiple drivers, commercial use), call a Progressive agent. They can clarify discounts, verify eligibility for multi‑policy savings, and explain state‑specific regulations.

Sample Comparison Table