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Progressive Auto Insurance — Best for "High-Risk" Drivers
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Pros
Generous discounts
Usage-based insurance plan
Cons
Limited supplemental coverage
Why we chose it
Generous discounts
Progressive impressed us with a solid array of discounts, including deductions for simple things like signing a new policy early and opting for paperless billing. The company has historically been known for insuring "riskier" drivers than many of its competitors, and it shows: Progressive is our only contender that offers a near unheard-of discount for drivers under 18 (who have a crash rate that’s almost nine times higher than that of middle-aged drivers).
Usage-based insurance plan
Progressive offers a unique discount through a program called Snapshot, a usage-based insurance plan that transmits real driving data to the company. Using a telematic device installed in your vehicle, Snapshot monitors your driving behaviors — such as how rapidly you accelerate or how often you stop abruptly — as well as the miles and times you drive, which can increase your risk of an accident.
The program uses this data to determine your rates, and if you’re a safe driver that could mean an average of $130 savings. This plan can save money for low-use drivers and may well mark the advent of a new form of insurance.
Points to consider
Limited supplemental coverage
Progressive allows policyholders to supplement their coverage with many of the standard additions we look for in providers, but it didn’t have quite enough options to merit a top place finish. You won’t find accident forgiveness, coverage for teen drivers, ridesharing coverage.
Progressive also lacks popular coverage like personal injury, property protection, and new car replacement. Evaluate your accident history and who you’ll be insuring to get an idea of what supplemental coverage you might need. If some of these unique coverage options are relevant to you, you’ll want to consider Travelers.
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Tuesday, January 8, 2019