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ZEBRA INSURANCE HOMEOWNERS DRIVERS

Plus, Progressive has several discounts that could make your premiums more affordable.

Progressive allows you to add ride-share insurance to your personal auto policy, ensuring you’re protected when your ride-share coverage isn’t in effect.Īt $127 a month, Progressive’s premiums were in line with the national average reported by The Zebra, which analyzed nearly 400 insurance companies.

Ride-share coverage: If you drive for a ride-share service like Uber or Lyft, you will likely need a specialized ride-share insurance policy, and only a few companies offer ride-share coverage.

With the Progressive Classic Car Program by Hagerty, you can get coverage for your vehicle’s current value without fixed mileage restrictions-allowing you to enjoy driving your vintage or modified vehicle at a lower cost than with standard auto insurance.

Classic car coverage: If you own a classic car, you may find that insuring it is difficult classic or collectible cars often have a higher value than they did when they were purchased, but that isn’t reflected with a standard insurance policy.

But Progressive will cover aftermarket accessories up to a $5,000 limit.

Custom parts: If you make modifications to your vehicle to improve its appearance or performance-such as chrome bumpers, aftermarket stereo systems or suspension enhancements-your standard auto insurance policy won’t cover the repairs or replacement of those modifications.

Progressive is one of the few major insurers that will cover vet bills, up to a specified limit, as long as you have collision coverage for your car. But if you’re in an accident and your pet is injured, few car insurers will reimburse you for their care.

Coverage for pets: More and more pet owners bring their animals with them on road trips.

The Snapshot tool does record your trip details, so those concerned about privacy and location tracking may want to avoid this feature.

ZEBRA INSURANCE HOMEOWNERS DRIVERS

Progressive says that drivers that use its Snapshot tool save an average of $156 per year. By not driving late at night, staying off your phone and limiting hard braking or accelerating, you could save money on your monthly premiums. Usage-based coverage: With Progressive’s Snapshot tool, your rates are based on your driving habits.Progressive’s Loan/Lease payoff coverage will cover the difference, up to a maximum of 25% of the car’s actual value, a higher threshold than some other companies provide. Gap coverage: If you take out an auto loan or lease your car, gap coverage will help pay for the difference between your car’s current value and what you owe on the vehicle.Coverage for other vehicles: Besides standard personal vehicles, such as cars and SUVs, Progressive will insure other vehicles like motorcycles, mopeds, scooters, RVs, trailers and even golf carts.Notable features beyond the usual liability, collision and comprehensive insurance policies include: Why We Picked It: One of the nation’s largest auto insurers based on written premiums, Progressive stands out because of its optional coverages, added benefits, discounts and customer support options. We looked at everything from their premiums to how customers rated their claims processes to identify the seven best car insurance companies. To help you find the right insurance company and coverage for you, we researched policies from 25 leading insurers. How much you pay for car insurance can vary a lot by factors including where you live, what car you drive, and even your credit score. Best for SR-22 coverage/high-risk coverage.Fortunately, with a little research shopping for the right policy can be smooth and manageable. Not only are there plenty of car insurance companies, you also have to sift through different coverage types and amounts -from liability to comprehensive.īut if you drive, car insurance is a must (in every state but New Hampshire.) And while companies that boast cost savings in their advertisements can be appealing, you need to know that the company has your back if you’re in an accident.