Progresssive car insurance rates in Virginia continue to be among the lowest of all of the big companies. Quality coverage, low rates, exceptional customer service and flexible billing options have helped Progressive become one of the most popular auto insurance companies in the US. Like most carriers, you can purchase coverage, handle claims and pay a bill online, or in person. Both high-risk and preferred options are offered, with many low down-payment policies. An additional discount is also included, when quotes are requested online.
The company began operations in 1937, and has been expanding market share in many different areas. The "concierge level of claims service began more than 10 years ago, and offers customers a level of claims service rarely matched by other carriers. Drive-in claims centers and online submission save policyholders time and money. Approximately 80% of all policyholders recommend their own carrier to others, and brand loyalty is high.
But what about their rates in Virginia? Are they competitive? They are. Whether you have one diver or four drivers in your household, or whether you have a one older vehicle or three new ones, Progressive seems to be able to offer an attractive package. And they also offer many discounts that can potentially reduce your car insurance premiums. Along with the standard multi-policy, multi-car, and good-student discounts, other innovative options can reduce your rates as much as 25%. Customer service is also very easy since most tasks can be completed online or with your smartphone. Billing, printing ID cards, or verifying coverage take only a few minutes. Submitting a claim is also fast and friendly, since you can submit pictures of the damage to your vehicle online, without visiting a claims service center.
Sample Auto Rates
So how low are the rates? Let’s find out. Our “sample” married couple lives in Richmond. He is 56 years old and his wife is one year younger. Both have clean driving records and good credit (but not the best available credit). He is retired and drives a 2014 GMC Acadia. She is working outside the home and drives a 2010 Toyota Camry. Both vehicles are parked off the street in a driveway or a garage. No additional vehicles or drivers are listed on the policy.
Sample Progressive Virginia Car Insurance Prices (Monthly) In Richmond, Virginia:
$74 - $25,000/$50,000/$25,000 liability limits with no collision/comprehensive
$145 - $50,000/$100,000/$50,000 liability limits with $500 deductibles
$154 - $100,000/$300,000/$100,000 liability limits with $500 deductibles
So, for only $74 per month, both vehicles can be insured for liability coverage. For $145, the liability limits are doubled and collision and comprehensive benefits are added to the policy. And for $154, we get $300,000 of liability and full coverage on both cars. Overall, these are very affordable prices when compared to other major carriers.
Name Your Price
Progressive offers the “Name Your Price” option in Virginia. This clever feature allows you to input your basic information (driver and car details etc…) and easily pick the rate you wish to pay. You can provide the information securely online, or by calling a specific phone number. Mail and fax services are not offered for this feature. Multiple options are offered, and you can easily customize benefits and riders.
Naturally, to lower your rate, you will have to increase your deductibles or reduce your liability limits. And the final underwritten rate will take into account driving record and possibly other factors. But we feel it’s an interesting free tool that simplifies the process of comparing Progressive’s rates with other companies. You can quickly and easily review and compare offers, and sign up online without paying any fees.
Other carriers that Progressive competes against include USAA, Travelers, Geico, Allstate, Nationwide, Integon, Liberty Mutual, Erie, Mid Century, Garrison, Esurance, and State Farm. An additional unique tool allows you to view all companies side-by-side, providing a simple method to compare multiple property and casualty products.
Progressive auto insurance prices in Virginia are not always going to be lower than what you pay now. But whether you are uninsured, or already have coverage, our experience tells us that it is worth the few minutes of your time it will take to find out. When you provide your zip code in the quote box, you will be able to easily get a Progressive Va quote.
Other Lines Of Business
Vehicle and recreational coverage is available for your vehicles (cars and tricks), RV, trailer, classic car, ATV, Segway, snowmobile, motorcycle, boat, and golf cart. Home and property coverage is available for your primary residence, personal property (renters), condo, mobile home, and covered flood damage. Additional products include commercial life, health, umbrella, travel, pet, wedding, and financing.
If you are traveling to Mexico, a stand-alone coverage can be purchased. In many situations, it may be more cost-effective to insure your vehicles with Progressive, and your home with another carrier. Although a multi-policy discount won't be offered, the savings through a separate carrier for the home, may easily offset the loss of the discount. Additional savings is available with newly-constructed homes, or if your roof is less than five years old.
"Mechanical breakdown" coverage is also available. The "Advantage" plan pays many out-of-pocket vehicle expenses that could potentially cost hundreds, or thousands of dollars. "Warranty Direct" partners with Progressive to provide the coverage. The engine, electrical devices, and many other items are included in the covered benefits. Only one deductible applies to a submitted claim.
Snapshot is a customized option which often lowers your rate by utilizing "usage-based insurance." Safe driving habits are rewarded with a reduction to your premium. At the time the policy is purchased, "Snapshot" can be selected. Discounts (if applicable), will go into effect at the first renewal. You can leave the program at any time, although during the first 45 days, there may be a small surcharge. A plug-in and mobile device are offered. A 30-day trial period is also offered to help you decide if the device should be installed.
The device plugs into your vehicle's diagnostic port. After you start your vehicle, if the light is blinking, the device is working. When you come to a sudden stop, the device will beep. The less often you hear beeps, the more discounts you are likely to receive. If the device is lost, a replacement is available for a cost of $50. All data that is accumulated is available.
Car Shopping Service
Also available is a unique service for customers that helps them find the best deal when buying or leasing a vehicle. Initially, you choose the year, make, model, and color of the car (or truck) you want to acquire. Free comprehensive research reports are provided, that indicate the price that nearly-identical vehicles are purchased. Used car prices can also be viewed. A written offer in the form of a certificate will be provided that gives you the option of purchasing the vehicle at a local participating dealership. The information you provide will not be sold, marketed, or shared. Vehicle prices can vary among dealerships, so several quotes should be obtained.
Edward Harris is the owner and founder of this website. Since 1980, he has been helping individuals and families with their car insurance needs. During that time, he has handled more than 10,000 applications and continues to provide service for thousands of clients.
Ed is married with two children and enjoys tennis, golf, and international politics. Reluctantly, he bowls once every 10 years.
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