Start with Your Driving Profile
Progressive uses driver history, age, vehicle make, and location to build a risk profile. Gather your license number, insurance ID, and recent claims record before you begin.
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Choose the Coverage You Need
Decide between liability, collision, comprehensive, and optional add‑ons such as roadside assistance. Progressive will ask for each coverage level, so having a clear list reduces back‑and‑forth.
Use the Online Quote Tool
Visit Progressive's website and select "Get a Quote." Enter the prompted data: vehicle details, driving history, and coverage choices. The system calculates a baseline premium in real time.
Compare with Other Carriers
Download the quote as a PDF, then request similar quotes from at least two other insurers. Compare premiums, deductible amounts, and policy limits side by side.
Factor in Discounts and Bundles
Progressive offers discounts for safe driving, multiple policies, and certain vehicle safety features. Ask whether you qualify for any of these before finalizing. Bundling auto with home insurance often yields the best savings.
Ask About Customer Service and Claims Process
High coverage rates may be offset by poor claims handling. Read independent reviews and check the insurer's claim payout ratio available on public filings or rating agencies.
Finalize Your Policy
If Progressive's quote and service meet your criteria, complete the application online or through a local agent. Review the terms, confirm the discount eligibility, and submit payment to activate coverage.