How to Get Accurate Progressive Insurance Quotes
Finding the right type of coverage for your needs can be very difficult, especially if you don’t know what it takes to get an accurate quote. Insurance is something that everybody requires, but not everybody can afford it. Due to the fact that all providers can name their own prices, getting a few estimates before you buy is a good idea.
There are a wide variety of reputable companies out there, but some rise above to serve customers better than others. Discovering your match is as easy as 1-2-3: gather your information, get a quote, and make the decision. In order to find the most accurate quotes from Progressive, it’s important that you adhere to a few reliable tactics.
5 Tips Leading to the Most Accurate Quotes for Insurance from Progressive
Below are the five tips you can use to get the most accurate estimates from Progressive – a leading provider of all types of coverage. Follow them closely and you should have something to work with in no time:
Step One: Gather Your Personal Information
A Progressive agent will ask some basic questions before being able to give you an accurate price estimate. You will need to know the following information, or have proof of it if you don’t know the data off the top of your head:
- full legal name
- current address
- age and date of birth
- social security number
- driver’s license number
- driving record for the last 3-5 years
- employment information
- criminal history record (if applicable)
- Your medical record (if applicable)
- Any relevant information pertaining to other members of your family who are also seeking coverage
While not all customers will be asked the same questions, it is always a good idea to come prepared. Often, the numbers given on an initial quote can change drastically because of seemingly meaningless information. The underwriting process is very complicated, even at Progressive, so it’s best to provide updated and accurate personal data if you want to receive an estimate with the same qualities.
NOTE: If you feel as though the agent you are working with is asking for unrelated information or for data that is too personal, it may be a sign that you are a bigger liability than you think. Check your records and remember, the request for unexpected information is by no means indicative of foul play.
Step Two: Submit a Quote Request
Once you have all the pertinent information gathered, but before you’re ready to start getting Progressive insurance quotes, sit down and create a flexible budget. Be sure to list out the kinds of coverages you need from a policy and ask plenty of questions. There may be times where you speak to a Progressive agent, but other times you will simply plug information into an automated database. In any event, it’s important for you to be aware of what the company is capable of doing so you don’t become disillusioned by lofty expectations.
Insurance policies from Progressive are designed to protect people from the trials and tribulations of life, but they are not in existence to shelter you from irresponsible behavior. Expect to pay more if you engage in risky behavior or operate dangerous equipment. A higher price on the quote for those things is not a sign of gouged prices. In essence, it takes the insurance company more to keep you safe so you pay more for their protection.
Step Three: Ask About Price Guarantees or Quote Expiration Dates
Don’t forget to ask Progressive about how long their quote offers last. Prices are always subject to change without notice, so it may be necessary to act immediately to get a good deal. On the other hand, Progressive typically holds quotes for up to 30 days for most customers, which can give you the opportunity to shop around before you decide.
Step Four: Inquire About New Member or Safe Driver Incentives
Some of the initial quotes may come back without any discounts for safe driving, package deals, and new member incentives being calculated. Be sure to ask about this before you sign a coverage contract. It is possible to save tens, if not hundreds, of dollars per month on your policy just by playing by the rules.
Step Five: Purchase Insurance Quickly After the Quote
Since most price estimates from Progressive are bound to change (at least after the 30 day mark), it’s essential to purchase your policy as soon as you find a price that is right for you. Usually, Progressive agents can help with down payment arrangements by splitting it up on the subsequent monthly bills. Serious companies want your business, so use knowledge that to your advantage. Progressive is also aware of market fluctuations and can become subject to its effects on pricing. Don’t let too much time go by before you make your move.