When it comes to finding affordable auto insurance, it’s important to do your homework and compare options. Progressive is a well-known insurance provider offering a wide range of policies that can suit different driving needs and budgets. Whether you’re a first-time driver, a seasoned commuter, or simply looking to save on your premiums, there are several strategies you can use to find the most affordable coverage. At Preferred Insurance Agency in La Crosse, Wisconsin, we’re here to help you navigate the process and ensure you get the best deal for your auto insurance needs.
Here are some practical tips on how to save money while finding affordable auto insurance with Progressive:
1. Compare Multiple Coverage Options
One of the easiest ways to find affordable auto insurance is to make sure you’re not overpaying for coverage you don’t need. Progressive offers several types of coverage, including:
- Liability coverage: Helps pay for damage you cause to others in an accident.
- Collision coverage: Pays for damage to your car from an accident.
- Comprehensive coverage: Covers non-collision damage (like theft or weather-related damage).
- Uninsured/Underinsured motorist coverage: Protects you if you’re in an accident with someone who doesn’t have enough insurance.
Start by understanding your car’s value and how much protection you really need. For example, if your car is older, you may not need comprehensive or collision coverage. Reducing coverage limits where appropriate can significantly lower your premiums.
2. Use Progressive’s Discounts to Your Advantage
Progressive offers a wide variety of discounts that could make your policy more affordable. Here are a few you might qualify for:
- Multi-policy discount: If you bundle your auto insurance with home, renters, or other types of insurance, you could qualify for a discount.
- Safe driver discount: If you have a clean driving record, you may be eligible for a lower rate.
- Automatic payment discount: Sign up for automatic bill pay to save a little more on your premiums.
- Pay-in-full discount: If you can pay your policy in full upfront, you could earn a discount.
- Paperless discount: Choose to go paperless and receive electronic statements to save.
When you get a quote from Progressive, be sure to mention any discounts you think you may qualify for, and ask an agent at Preferred Insurance Agency in La Crosse if there are any additional ways you can save.
3. Consider Your Deductible Carefully
Your deductible is the amount you agree to pay out-of-pocket before your insurance kicks in after an accident. Increasing your deductible can lower your monthly premium, but you’ll need to ensure you can afford the deductible if you have to make a claim.
If you are a safe driver and don’t expect to file many claims, raising your deductible might make sense. However, if you want more predictable monthly payments and can’t afford a higher deductible, you may want to stick with a lower one.
4. Take Advantage of Progressive’s Snapshot Program
Progressive’s Snapshot program uses telematics technology to track your driving habits and reward you for safe driving. With this program, you could save money based on how well you drive—such as how often you drive, how far you drive, and how safely you drive (e.g., avoiding hard brakes).
If you’re a safe driver, this could be an excellent way to save on your auto insurance. Plus, it’s a great way to potentially qualify for discounts down the line if your driving habits improve.
5. Maintain a Good Credit Score
Your credit score can have a big impact on your auto insurance rates. Insurance companies, including Progressive, often use your credit history to determine your premium. People with higher credit scores typically pay lower premiums, as they’re seen as less risky to insure.
To ensure you’re getting the best rate, it’s a good idea to keep an eye on your credit score. If it’s not where you want it to be, consider working on improving it before you shop for auto insurance. Paying down debt and addressing any negative marks on your credit report can help lower your rates over time.
6. Shop Around and Get Multiple Quotes
Even though Progressive is known for its competitive rates, it’s still important to shop around. You can use online tools to get quotes, but working with a local agent, like the ones at Preferred Insurance Agency in La Crosse, can help you compare Progressive’s rates with other carriers in the area.
Agents at Preferred Insurance are experts in helping you find the best coverage at the best price. They can also help you identify discounts and review your policy regularly to ensure you’re getting the best deal as your circumstances change.
7. Consider Your Vehicle’s Make and Model
The type of car you drive can have a significant impact on your insurance premium. For example, sports cars, luxury vehicles, and high-performance cars typically cost more to insure due to their higher repair and replacement costs. On the other hand, older cars or those with high safety ratings might qualify for cheaper rates.
If you’re shopping for a new car, consider how the vehicle will affect your insurance premiums. If you’re trying to keep costs down, a less expensive car with good safety features could save you money both in terms of your car payment and your insurance.
8. Review Your Coverage Annually
Your car insurance needs may change over time, and what you needed last year may not be the best option this year. Be sure to review your coverage with your Progressive agent at Preferred Insurance Agency every year or whenever a life change occurs (like moving, getting married, or purchasing a new car). Adjusting your coverage to better fit your current situation could help lower your premiums.
Contact Preferred Insurance Agency for Your Auto Insurance Needs
At Preferred Insurance Agency in La Crosse, we work with Progressive and other top carriers to help you find the most affordable auto insurance policy that meets your needs. Our team is dedicated to finding you the best value while ensuring you have the coverage you need for peace of mind on the road.
If you’re ready to start saving on your auto insurance, contact us today for a personalized quote or consultation. We’ll help you explore all available discounts, tailor your coverage to your specific needs, and ensure you’re driving legally and safely with affordable protection.
About Preferred Insurance Agency
Located in La Crosse, Wisconsin, Preferred Insurance Agency is an independent insurance agency committed to helping our clients find the best rates and coverage options. We offer personalized service to help you navigate the world of auto insurance and more. Let us put our local expertise to work for you!
401 King St. La Crosse, WI 54601
608-881-6566
Filed Under: Auto Insurance | Tagged With: #AutoInsurance, #lacrosse, #ProgressiveInsurance, independent insurance agent, Wisconsin