Liability coverage is a basic option and Progressive car insurance liability coverage has a number of programs for drivers
Liability coverage is the most frequently purchased type of auto insurance. This is primarily because it is legally required in order to operate a motor vehicle in most states. Progressive car insurance liability coverage offers drivers the legally required protection they’ll need, but there are other factors you should know.
Do you know your state's requirements?
As you begin to shop for car insurance liability coverage, Progressive can help you to determine what the required mandatory minimum coverage is for the state in which you reside. This coverage works in the following situations:
- Coverage for bodily injury to one person in an accident
- Coverage for bodily injury for an accident involving multiple persons
- Coverage for property damage in an accident
All 50 states set a required minimum dollar amount for each of these situations. A typical requirement may be:
15/30/10
This coverage listing means that:
- One person's bodily injuries stemming from an accident you cause will be covered up to $15,000
- All bodily injuries sustained by multiple people in an accident you cause will be covered up to $30,000
- Property damage you cause to other people's property (including cars) will be covered up to $10,000 for the same accident
What it doesn't cover
It is important to remember that liability car insurance from Progressive, like liability coverage from other carriers, only pays for injuries and damage incurred by the other driver involved in an accident you are found to be at fault for. If you want to protect yourself and your car, you will need to enroll in collision and/or medical payments coverage in addition to a required liability policy. You may also want to look at other coverage options if you are concerned about protecting your famly or other passengers who routinely ride with you. If you're concerned about the potential for events like car theft or floods or fires, or if you are leasing a car or finaning the purchase of one, there are other lilnes of coverage you may need to include in your Progressive car insurance policy.
You can get free car insurance quotes here
Rates & Discounts
The cost of your liability coverage will depend on many factors, including how long you have been driving and how good your driving record is. While liability coverage tends to be the least expensive option you can add or upgrade to any car insurance policy, there are some ways to mitigate even these policy premium costs from Progressive. You can take advantage of one or more of the following discount programs they offer:
- Multiple car discounts for owners of more than one insured vehicle
- E-sign discount for those who electronically sign and enroll in a policy
- Pay-in-full for policyholders who choose to pay all premiums upfront
- Homeowners (bundling) discount for homeowners who choose to insure both a home and a vehicle with Progressive
Other discounts are available as well, and many of them are state-specific. Be sure to check with your Progressive agent before you purchase a liability policy to make sure you are getting the lowest possible rate.
(See more ways to get a car insurance discount with Progressive here)
Signing up is easy
You can receive a car insurance quote or sign up for a new liability policy from Progressive over the phone, online or in person at a local Progressive agency. Progressive also sells a variety of other car insurance policies that might work well for you in addition to liability car insurance coverage. You can supplement your Progressive liability coverage with:
- Collision coverage
- Comprehensive coverage
- Uninsured/Underinsured motorist coverage
- Medical payments coverage
- GAP coverage
- Roadside assistance coverage
- Pet coverage
As you begin to research your different car insurance liability coverage options, Progressive is a logical candidate for consideration. Get the support and advice available from a seasoned insurance pro and let Reply! help by connecting you to insurance professionals in your area eager to help you design the best car insurance coverage package to fit your needs.