Auto insurance is becoming a very essential form of protection. In many parts of the world it’s compulsory. More and more people are recognizing the importance of being protected while they’re on the move.
Progressive auto insurance is one of the most renowned auto insurance companies in the country. Besides being one of the most renowned; they are also one of the most dependable sources of protection for your car needs. Essentially their auto insurance addresses three main aspects; property damage, liability and medical coverage.
Revolutionist
Progressive auto insurance is one of the companies which bravely experiments with new things, such as the contemporary form of automobile protection; the pay-by-the-mile insurance. This insurance plan is where drivers pay their insurance by the mile, compared to the traditional method of a flat expense. At one time, people pay the equal amount for their insurance regardless how much they drive, but now under this novel plan which is being carried out in states like southern California, are very helpful in a lot of ways. Cost of the insurance is counted on a per mile basis.
Even so why is there a demand for such insurance? The government, which assists this auto insurance agency, says this would assist the drivers to be more economical, and also this method would cut down global warming in general.
Common Coverage
Progressive auto insurance specializes in all three forms of insurance coverage; especially liability and physical damage or medical coverage. And the auto insurance provided here would be available for all kinds of vehicles; ranging from two-wheelers, small vehicles, commercial vehicles, taxis, vehicles by small businesses and in the trucking industry, and many more.
Availability
In essence it’s very simple to buy; you can contact a physical office, a toll-free phone number or as an alternative, get an online auto quote from Progressive auto insurance. Not only do they give you their quote, they also supply you with a quote from around three other leading insurance companies.
This saves you the time and hassle to go shopping from one place to another, or even filling in similar forms repeatedly on different sites. You need to enter your information on one site and get around four quotes pretty promptly. Sometimes, Progressive is the lowest, and at other times, it is not. The beauty of this arrangement is that you can then select for yourself rather than having a broker sell you a policy where he gets the greatest commission!
Shopping for online auto insurance quotes can be quite demanding, but knowing that they are a lot cheaper, faster, less complicated and extremely convenient, we all have to do it at one point of time or another. This compilation of tips may be able to help you avoid overpaying for your car insurance premiums, and save a few hundred dollars in the process.
1. Search for Auto Insurance Quotes Regularly: If you do not shop around for online auto insurance quotes, you can end up paying the same premium for years, which is really pointless because as vehicles age, they decrease in value. So, you should not pay the same premium on them as you would on newer vehicles. Get into the habit of conducting a quote search, perhaps, on a yearly basis, and the more often you do it, the better your chances of getting lower online auto insurance quotes.
2. Consider “liability only” Insurance for Older Vehicles: Before getting your online auto insurance quote, always take into account the value of your vehicle compared to the amount youre paying for premiums when making decisions such as “liability only” insurance. For example, if the wholesale value of your car is $1000, you need not pay nearly that much per year because that is all youll receive from the insurance company in the event of an accident.
3. Take a Defensive Driving Course: Your online auto insurance quote is also affected when you take a simple 6 hour defensive driving course, which can save you up to 10% on your auto insurance premium. The local department of motor vehicles should have more information on this. Otherwise, there are also courses available through mail, video, or the internet.
4. Insure with the Same Agency: When you apply for online auto insurance quote, remember that most insurance companies will give you a discount for multiple auto insurance policies. So if you own more than one vehicle, you should insure each of them with the same insurance agency. If you also have life, home, fire, boat or any other type of insurance, use the same agency for your auto insurance.
5. Raise your Deductible: Higher deductibles result in lower insurance premiums, so set your deductible at the highest rate possible. At the same time, its also imperative that you do not neglect additional financial resources that can help cover the deductible in case of an accident.
6. Check your Credit Rating: Be aware that most insurance companies will check your current credit score as part of their calculation for your insurance premium, since like all other business setups, they want to be paid, and on time. So you need to maintain a healthy credit rating before you get your online auto insurance quote.
7. Let Them Know why you are at Lower Risk: Insurance companies mainly base their rates on one element risk. Therefore, you need to have valid reasons why you are at lower risk when obtaining your online auto insurance quote, such as having a safe vehicle, a clean driving record, anti-theft devices etc.