Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Progressive encourages online interactions and offers an immediate $50 discount off your first policy
  • If you own a home, you are also eligible for a discount on Progressive auto insurance coverage
  • Discounts are available for safety courses and defensive driving classes

Progressive Insurance is one of the largest car insurance companies in the United States.

Many people are familiar with Progressive Insurance due to their television advertisements, which rivals Geico in creativity and market saturation.

However, even Progressive customers may be unaware of just how much money they can save with Progressive through strategic discounts on their policies.

Finding out about and applying these discounts to your Progressive car insurance policy may end up saving you far more than you think.

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Progressive Accident Forgiveness Discount

Keeping your driving record clean is the quickest and easiest way to save on car insurance. Auto insurance premiums are determined on your previous driving history.

While you cannot change your age or other demographic information, you can certainly control speeding and other behaviors which lead to increased premiums.

Progressive rewards your good driving habits with accident forgiveness if you have had a policy with Progressive a minimum of four years, and you have been accident-free for three years.

The first accident you are involved in, even if you are at fault, will not increase the premium. Certain restrictions apply to this program, so be sure to discuss with your agent any questions you may have.

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Online Car Insurance Discounts from Progressive

Progressive encourages online interactions and offers an immediate $50 discount off your first policy if you purchase your car insurance coverage and sign your paperwork online.

Progressive offers other discounts for how you pay your bill, as well. If you spend your statement in full when it comes due, you automatically receive a discount on the total price.

Homeowner and Multi-Vehicle Discounts

If you own a home, you are also eligible for a discount on Progressive auto insurance coverage.

Even if you do not have your homeowner’s policy with Progressive, you are still eligible for a discount; however, if you sign up for homeowners with the company as well, you may save even more money with a multi-policy discount.

Consumers who opt to insure multiple vehicles with Progressive can take advantage of a multi-vehicle discount on their car insurance premiums.

Many people bundle both automobile and homeowner’s policies with Progressive earning ever more significant discounts.

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Even More Progressive Car Insurance Discounts

Progressive also offers discounts for things like good grades by students, driver’s education and defensive driving courses, airbags, anti-lock brakes, anti-theft devices and more.

These discounts typically work by discounting your car insurance based on which part of your policy these safety devices affect.

For example, anti-theft devices will usually discount the comprehensive coverage section of your policy, making that coverage more affordable.

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What is the Snapshot Discount from Progressive?

Progressive also has a unique form of discount known as “Snapshot DiscountSM.”

This discount is taken when you install a “snapshot device” in your car. This monitors your driving habits for six months, taking readings at different times.

You can track your progress and projected discounts online, and you can receive up to a 30 percent discount for your driving habits.

After six months, you mail back the snapshot device, and the discount applies for the remainder of the time you are insured by Progressive.

Are there insurance discounts on motorcycles?

You can also receive discounts from Progressive on your motorcycle insurance. Progressive is one of the leading insurers of motorcycles and offers some concessions to these drivers.

For example, if you have no at-fault claims during your policy period, you may automatically receive a discount at your renewal.

Discounts are also available for safety courses and defensive driving classes. Finally, if you install LoJack® on your motorcycle, you will pay less for your coverage.

Be sure to have all paperwork handy when you meet with your agent so that you can provide documentation of circumstances which may gain you a discount.

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