Insurance companies, including Progressive, typically sell auto insurance policies in 6-month or 12-month terms. The confusion might arise due to a few potential reasons:
Billing Cycle vs. Coverage Term: Sometimes, the billing cycle can differ slightly from the actual coverage term. For example, you might have set up your payment on a certain date each month, causing you to perceive it as covering only 5 months when it is, in fact, a 6-month policy.
Policy Start and End Dates: It’s important to check the policy start and end dates on your insurance documents. If there was an adjustment or offset at the beginning of your policy (such as a short-term initial premium to align with a billing date), it might seem shorter than 6 months.
Policy Adjustments or Changes: If there were any mid-term adjustments, such as coverage changes, discounts applied, or even the cancellation of previous insurance leading to a pro-rated period, it could result in a perceived shorter term.
Communication or Clerical Errors: Occasionally, a clerical issue or a miscommunication can occur, causing the provided documentation to reflect the incorrect term. It’s worthwhile to contact Progressive directly to clarify the situation.
State Regulations and Norms: Always consider that different states may have specific regulations affecting insurance terms and periods, which might contribute to discrepancies between what is perceived and what is documented.
If you are unable to resolve this by reviewing your policy documents, it would be advisable to reach out to Progressive customer service for a clear explanation specific to your policy.
