Progressive auto insurance for new drivers: policy options and costs

Many drivers and their families are fans of Progressive insurance. No wonder. Progressive has a lot to offer drivers. With Progressive auto insurance, new drivers are protected with the same level of protection as experienced drivers. In fact, Progressive auto insurance for new drivers offers several policy options and price strategies.

The majority of “new” drivers are going to be teens having just reached the legal age to drive in their state. But there are many people who wait until later in life to get a driver’s license. No matter how advanced your driving skills may be, insurance rates are based on statistics, and the cold, hard fact is that new drivers cost insurance companies more.

New drivers should also know that insurance rates are going to be based on more than just how long they have been driving. Progressive car insurance for new drivers rates will also be based on:

• Where you live
• The amount of driving you will be doing
• The type of car you drive
• Your age
• Your gender
• Your marital status
• Your credit score/history

For free car insurance coverage estimates, click here.

How much insurance should you get?

If you’re a teen new driver, chances are that you will be added to your parents’ car insurance policy. Even if you are going to be added to your parents’ car insurance coverage, you should have some understanding of what types and levels of coverage you will be getting and how that coverage works to protect you while you are driving.

One of the first concerns you should have regarding what type and how much insurance you have is what your state requires. Each state requires its licensed drivers to be “financially responsible” in the event they cause a car accident, and buying insurance is one way to prove that responsibility. Most states link the insurance requirement for licensed drivers to minimum levels of liability car insurance coverage. As a new driver, you should have a basic car insurance policy that includes at least your state mandatory minimum liability auto insurance requirements.

In addition to the minimum state coverage requirements, you can purchase add-ons or upgrades to your insurance policy. When you buy Progressive car insurance as a new driver, you can add the following levels of coverage:

• Medical payments/additional health coverage
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage
• Gap insurance

(Click on any of the above coverage options for more information)

Costs

The levels of coverage and the amount you decide to get to cover your driving circumstances will all contribute to how much you end up paying for your car insurance premium. Progressive does offer a number of discounts that can help lower your car insurance premium costs:

• E-sign discount – you can e-sign your first Progressive car insurance policy (complete the application and purchase online) and save $50 off the cost of your insurance immediately
• Bundle discount – if you combine (bundle) your homeowners insurance and car insurance with Progressive, you can get another reduction in cost
• Multi-car – while this may not apply if you are a new driver, it may if you are being added to your parent’s policy as Progressive will give you a discount if you insure more than one car with Progressive
• Snapshot® discount – Snapshot® is a small device that you attach to your car, usually below your car's steering wheel, which allows Progressive to record your driving habits and adjust your rates accordingly
• Accident Forgiveness – if you maintain your car insurance with Progressive for more than four years without an accident, Progressive offers accident forgiveness for one accident, even if you are the person who causes the accident
• Teen driver support – Progressive can also help teen drivers by offering them additional driver's education courses and discounts for maintaining good grades

While there will be many things to consider when you become a new driver, car insurance coverage doesn’t have to be a stressful consideration, especially if you consider Progressive car insurance coverage for a new driver. You can also benefit by having the support of a seasoned car insurance professional offering you (or your parents) practical advice and Reply! can connect you to local insurance professionals ready to help you get the coverage you need.