Simplify car insurance before you quote. Your policy coverage options depend on what your state requires, how much you have to protect, whether your vehicle is financed, and your risk tolerance. Our car insurance calculator works as an estimator of your car insurance coverage needs and explains the strategy for choosing protection. Get a quote that includes all the car insurance coverage you want.
When quoting, be sure to include everyone who drives your vehicle on a regular basis. We work with more than 35,000 independent agents and brokers who offer a variety of insurance policies from both Progressive and other insurance companies. If you don't have any gaps or cancellations in your insurance history, you'll usually get a lower car insurance rate. You can file a car insurance claim with Progressive by logging into your policy, calling 1-800-776-4737, or using the Progressive app.
If you're thinking about insurance costs, there are ways to get cheaper car insurance without compromising your coverage. 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. Learn more about car insurance for teens, insurance for seniors, and how age affects your car insurance rate. For example, Progressive offers a discount when combining insurance policies, such as homeowners insurance, motorcycle insurance, boat insurance, recreational vehicle insurance, and more.
While this data provides information on the average cost of car insurance in each state, it's not customized for your specific situation. A lower rate could mean less coverage for you and your vehicle, so it's important to make sure that coverages, limits, and deductibles match when comparing car insurance 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. Once you compare car insurance rates, you'll be one step closer to finding the cheapest car insurance rate that fits your coverage needs.
Your insurance company will stop charging you for the accident after several years (the duration varies by insurer and state). It does not generate an insurance quote or purport to recommend specific insurance coverage. For that reason, it's helpful to compare car insurance rates from different companies to find the best price. 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.