Is the $30/month auto insurance from Progressive for real?
I recently switched my auto insurance from Geico to Progressive, and I was genuinely amazed at the price difference for similar liability coverage. I was previously paying nearly $80 with Geico, but Progressive offered me a rate of about $27/month.
As far as I can tell, everything seems legitimate. I signed up directly on the Progressive website and even called their customer service during the application process to ask a question. Everything checked out, and I received my insurance cards. The only thing that gives me pause is the incredible price.
Does anyone have thoughts or insights on this? Did I just get lucky, or is there a possibility that this is a well-crafted scam?
For context, my policy is for one driver (31 years old) with no accidents or violations, covering a 2013 Corolla that I typically drive less than 3 miles a day for my commute.
Thanks!
It sounds like you found a great deal with Progressive, and it’s possible that they are simply offering more competitive rates than Geico for your specific circumstances. Insurance premiums can vary significantly based on various factors, including your driving history, location, and the car you drive, so seeing a big difference in price isn’t uncommon.
Here are a few things to consider to ensure everything is legit:
Coverage: Double-check the coverage details to make sure you’re getting the same level of protection as with Geico. Ensure that you’re comparing similar liability limits and that there are no hidden exclusions or gaps in coverage.
Reviews: Look up Progressive reviews and ratings online. Check consumer feedback regarding their customer service, claims process, and overall satisfaction. This can give you insight into how reliable they are as an insurer.
State Regulations: Insurance companies often have to comply with state regulations, which can impact pricing. Sometimes, new policies or promotions can lead to lower rates for new customers.
Discounts: It’s possible that Progressive is offering discounts that you weren’t aware of with Geico. Many companies have discounts for things like low mileage or bundling policies.
Contact Support: If you’re still uncertain, consider calling Progressive’s customer service again to ask about the rates and policy details. They should be able to provide clarity on how they arrived at that price.
Keep an Eye on It: Monitor your policy in the coming months to ensure that the rate remains stable and that you don’t encounter unexpected changes.
If everything checks out and you feel comfortable with the coverage, it sounds like you may have found a great deal. Just stay informed and proactive about your insurance needs!