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Looking For A Family Car Insurance Plan? Flo Could Be A Big Help If You’re Considering Progressive.

Progressive's Flo

License: Royalty Free or iStock source: Image courtesy of Progressive Insurance

Families are always looking for ways to pinch pennies and keep the family budget on track. This can be especially challenging if the family has kids in or approaching the teen years. One particularly challenging budget item for those families will be when those kids reach driving age and have to be insured. If you and your family are currently customers of Progressive insurance, they have a number of options to allow you to build a family car insurance policy, combining coverage options and even qualifying for discounts that can help with budgeting.

Line up coverage options with drivers

Very few car insurance companies will sell you a family car insurance policy. Most leading companies, Progressive included, will sell you policies with your unique family circumstances in mind. The first step in crafting car insurance that fits the needs of all your family members is to line up the needs and driving habits of each driver with the types and levels of coverage best suited to protect each driver. Fundamental to this will be to make sure all of the drivers in a family have the legal requirements for car insurance coverage in place as set forth by the state where you all live and drive. Beyond meeting the legal requirements of drivers in your state, each driver in your family will have unique needs that have to be addressed when putting together a car insurance plan.

Some of the things you will need to consider when making selections on what types of coverage options to add to your family car insurance policy and what levels of coverage to have in place will include:

  • Year, make and model of the cars each driver will be driving
  • Age and gender of each driver
  • Average number of miles each driver will be driving monthly
  • Conditions each driver normally drives in (urban street, rural roads, only commuting to work or school, occasional driving, etc.)

Coverage options with Progressive

If you are a family insuring your cars and drivers with Progressive, you can build policies using a combination of the coverage options Progressive offers, including:

  • Liability (both bodily injury and property damage)
  • Comprehensive and collision (with Progressive, the two come as a package)
  • Uninsured/Underinsured motorist coverage
  • Loan/Lease payoff coverage (often referred to as GAP insurance)
  • Medical payments coverage
  • Custom parts and equipment/accessories coverage
  • Rental reimbursement coverage
  • Roadside assistance coverage
  • Pet injury coverage

From this array of options, it’s easy to see how Progressive has earned a reputation as a family-friendly insurer, especially for

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There are a wide array of options with Progressive insurance. Image credit: Joydeep under Creative Commons license.

families with four-legged members. In most cases, car insurance companies consider family pets property for the purposes of any car insurance claims and treat any injury or unfortunate death of a family pet in a car accident as they would any damage to or loss of property under coverage options like collision, comprehensive, or the property damage portions of uninsured/underinsured coverage. Progressive allows you to add coverage that protects your pets as family, not merely as property.

Explore the discounts Progressive offers

Families with multiple drivers can quickly see the cumulative car insurance bill rise, especially when young drivers come on the scene. To help offset this, Progressive (like most insurers) offers an array of car insurance premium discounts. The size and availability of car insurance discounts is determined by each individual state, but some of the more general discounts families can find with Progressive include:

  • Multi-car discounts
  • Accident forgiveness
  • E-sign (a one-time discount on each policy if you register and sign up online)
  • Homeowners (a discount offered if you own a home instead of rent or lease)
  • Pay-in-full
  • Multi-policy (bundling or combining a car insurance plan with some other form of Progressive insurance)
  • Just-married (if you are an engaged couple, Progressive will send you a Just Married sign for your car and will open up numerous discount opportunities to married drivers)

Progressive also touts its Snapshot discount, a plug-in monitor that tracks and records driving habits and conditions and offers discounts for recorded safe driving behavior. This tool can be a handy one for families with young drivers as it can reinforce the need to set and maintain good driving habits.

Depending on the state where you live and drive, you may find dozens of other discounts you can apply for through Progressive.

A special focus on teens

a thinking teen

Teens get great support with Progressive Insurance with many options. Image by nic519. Retrieved from Flickr. Used under Creative Commons license.

Another way in which Progressive distinguishes itself as a more family-friendly car insurance provider is through its growing emphasis on developing and offering support for families with teen drivers. Car accidents are the number one cause of teen deaths in the U.S. and Progressive continues to add programs and services for teens and families to stem that tragic trend. The insurer’s website offers an expanding series of videos and pamphlets and guides on everything from the Graduated Driver Licensing (GDL) programs in each state to how to address minor emergencies like jumping a car battery or changing a tire.

When it comes to putting the best car insurance coverage in place for you and your family, you’ll want to be sure you are supported by an insurer who understand the unique needs families face. You may find that Progressive car insurance is one option worth your family’s consideration.

(Note: This article is intended as an informational article only and is not intended as a solicitation or promotion. The author has absolutely no affiliation with Progressive or any other car insurance provider.)

Jeffery Davidson

Jeffery Davidson

Jeffrey Davidson is a writer and consultant. He has more than 25 years of experience in the insurance industry working in areas ranging from sales to product development. He now writes on insurance and related topics for Reply!. You can find his other article on more family options for car insurance.

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