If you choose to pay your policy monthly, you can receive a discount for setting up automatic billing from your bank account or credit card. Adding your spouse to your car insurance policy offers some small but favorable benefits, including potentially lower costs and the convenience of having a single policy. Learn more about car insurance for teens, insurance for seniors, and how age affects your car insurance rate. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims.
Add a full-time student who maintains a B average or higher to your policy, and we'll add a discount on car insurance. One way to get cheaper car insurance is to look for car insurance, and quoting with Progressive could result in lesser-known discounts and savings. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.
Your insurance company will stop charging you for the accident after several years (the duration varies by insurer and state). There are a variety of factors that affect your car insurance rate, such as your age, location, driving history, use of the vehicle, accidents, type of vehicle, and more. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. If you live in a densely populated area and are at greater risk of having a car stolen, vandalized and your car damaged, you're likely to pay more for the part of your policy that covers comprehensive insurance and auto collision coverage.
You can change insurers at any time, even if you just renewed your policy with another insurance company. If you don't have any gaps or cancellations in your insurance history, you'll usually get a lower car insurance rate. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Progressive offers a discount for good students if parents add an eligible teen driver to their policy to reduce the cost of insuring new drivers.