Auto Insurance Information

Shopping for auto insurance? The right information can go a long way. We give you the insurance basics — and more — to help you make informed decisions. We make it easier for you to understand your insurance coverages and service options.

Rates May Vary Depending On How You Buy

Customers who shop for auto insurance have several ways to buy a policy. Our experience indicates that some customers prefer the in-person counsel and personal attention of an agent/broker while others prefer the convenience of around-the-clock shopping. To focus on customers' preferences, we offer two distinct channels to buy insurance: Drive Insurance from Progressive specializes in selling auto insurance through Drive agents/brokers, while Progressive DirectSM focuses on selling insurance directly to customers by phone and online.
The companies that sell Drive insurance policies, as well as the companies that sell Progressive Direct policies, make independent decisions about the expenses they incur and the prices of their products while keeping the needs of their customers in mind.

Rates between channels vary in part because they are based on the different costs of doing business. If you buy through a Drive agent/broker, your rate includes the commission paid to the agent/broker for selling the policy. If you buy from Progressive Direct, which sells directly to the customer, the rate reflects the cost of building, staffing and maintaining the Direct sales centers as well as Progressive Direct's marketing costs.

Source-Progressive