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Paying for Your Car Insurance: A Guide for 2024

When you sign up for a car insurance policy with Progressive, you’ll have many options on how to pay for your policy. Along with making a full up-front payment, you can break up your policy payments monthly through a variety of payment options.

Progressive allows policyholders to pay their insurance premiums through monthly installments or by making one up-front payment. You’ll earn a discount if you pay in full when buying your policy. Online and phone payments get posted as paid at the time you make the payment. Automatic payments come out on the date you set up the payment, and Progressive uses the postmark date as the paid date for mailed payments.

When you buy a car insurance policy with Progressive, you’ll have ample choices on how to pay your insurance bill. You can make an up-front payment to pay in full or you can make monthly payments. If you’re running behind to pay your premium, Progressive will give you a certain amount of time to deliver that payment before canceling your policy. It can also help you set up a payment plan that can work for you in the future.

Depending on your state’s laws, you’ll have from 10 to 20 days after a premium is due to make your payment. If you know you’re going to pay late, contact Progressive to see if you can set up a payment plan and to see how long you have to make your payment.

If you don’t set up a payment plan and you miss the final payment date, your insurance coverage will lapse. If you drive without insurance, you’ll violate state laws and could face steep fines.

Progressive charges you a late fee for making late payments. Fees vary by state, and the average charge is $10.

Progressive has several ways for you to pay your bill, including online, on your phone and with the Progressive mobile app. Here’s the full list of ways.

Online is among the easiest and safest ways to pay your bill. Here’s a step-by-step guide on how to make your insurance payment online:

You’ll need your policy number to sign up for an account. Progressive sends your account number with your insurance documentation at the time you buy your policy.
Once you sign up, log into your account.
When you log in, you’ll see your account dashboard. If you set up automatic payments, you’ll see how much and when the next one gets deducted from your bank account. You can also click on the billing and payments link to set up automatic payments or make a payment on your policy.
You can pay online with a credit card, bank account, or debit card.

Progressive has a free mobile app that you can download to access insurance documents, file claims, and make policy payments. Similar to paying online, you’ll need to sign up for an account.

From there, log into your account and scroll down to the billing and payments section. Tap on that and either make a payment, set up automatic payments, or view upcoming payments.

You can locate Progressive’s phone number on any of your policy documents. Calling 1-800-776-4737 takes you to automated prompts where you can make payments on your policy. If you feel more comfortable speaking to an insurance agent about processing payments, you can do so.

Progressive accepts payments via text messages. Sign up for bill pay and policy reminders through text and follow the prompts to make a payment.

You can mail check or money order payments to Progressive by sending them to the following address:

P.O. Box 984105

Los Angeles, CA 90189-4105

Include a billing statement or your policy number to ensure faster processing.

When you sign up for automatic payments with Progressive, you can earn a discount on your policy by using the Progressive mobile app and website. You could also call a Progressive agent to assist you. The agent will set up future deductions to come out of your bank account on or before the date your premium is due.

Progressive makes it easy for policyholders to pay their premiums in several ways. You can use:

An electronic funds transfer (EFT)
A money order
An online check
A personal check
PayPal
Your checking or savings account
Your credit or debit card

Progressive customers receive discounts based on how they pay their premiums. You can get a discount for paying the full amount upfront. Although California drivers can get car insurance discounts based on their driving record and other factors, they’re not eligible for any discounts based on how they pay their premiums. You can also earn a discount by setting up automatic payments. However, California drivers aren’t eligible for this discount, either.

Whether you buy a policy with Progressive or from another provider, you could do a few things to save money on your car insurance.

If you need to save money but have full-coverage car insurance, you should aim to have a middle-of-the-road deductible ($1,000) for your comprehensive and collision coverages. Doing so keeps your premiums lower and ensures you don’t have to pay as much out of pocket when you need to pay your portion of the claim.

If you have an older vehicle, you can save money by foregoing full coverage and having liability coverage only. Because it won’t cost you as much money out of pocket to fix or replace that older car, you can take the insurance savings and use them when you must.

Keep in mind that reducing coverage still means your injuries and your vehicle won’t be covered after a car accident, however — so saving for these circumstances regardless of your car’s age is crucial if you opt for the minimum amount of coverage.

Many providers automatically apply discounts for safe driving, bundling, and having vehicles with anti-theft devices. Still, by reaching out to the provider ahead of time, you can ask for discounts that might not automatically apply, such as being a part of a professional organization, completing a safe driving course, and more.

Insurance providers usually check your credit scores and assign a risk rating based on your credit history. If you have a lower credit score, it may indicate that you could struggle to pay your premiums — and earn you higher premiums. By improving your credit score, you can save money on your car insurance costs.

Progressive gives discounts for bundling multiple policies with its auto insurance, like homeowners, renters, and more insurance coverages. Having two or more vehicles under the same Progressive policy will also earn you a discount.

Progressive’s usage-based insurance program is called Snapshot®, a proprietary app that monitors your driving behaviors. You can use its free mobile app or ask for a plug-in device. Once installed, Snapshot logs when you drive, how often you brake hard, and other data. If you have good driving habits across the board, you may save up to $231 annually by using this feature.

Progressive has an abundance of payment options for policyholders. You can also earn discounts by paying your policy in full or by setting up autopay, which is where Progressive deducts your monthly installments from your preferred payment method.

Progressive offers a grace period if you’re late on payments. However, after 10 to 20 days, depending on your state’s law, you could face a lapse in coverage. If you’re struggling to make your payments, reach out to Progressive immediately to see what options it can offer. The insurer has many payment options, from credit cards to PayPal, so chances are you can find something that works for you.

Along with Progressive, it’s ideal to receive insurance quotes from multiple providers. Doing this helps you see which carrier offers the best insurance coverage at affordable prices. State Farm and Geico are two of the best providers to consider.

State Farm offers ample insurance coverage, such as liability, full coverage, and rideshare insurance. You can also lower your premiums through discounts for completing safe driving courses, having anti-theft devices in your vehicle, and bundling multiple policies. State Farm has strong financial health, personalized coverages, ample payment options, and enough discounts to make them an enticing option.

Geico has a full range of auto insurance coverages like liability insurance, full coverage, emergency roadside assistance, and mechanical breakdown insurance. You can also get a discount of up to 25% when you bundle multiple vehicles under one policy. Geico also has flexible payment options and a DriveEasy program that offers discounts for safe driving behaviors.

In conclusion, Progressive offers a variety of payment options for policyholders, including discounts for paying in full and setting up automatic payments. It’s important to explore different ways to save money on car insurance, such as adjusting coverage levels, asking for discounts, improving credit scores, bundling policies, and participating in usage-based insurance programs. By comparing quotes from multiple providers like State Farm and Geico, you can find the best coverage at affordable prices.

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