When you get a Progressive quote, we factor in discounts that automatically apply to you — and suggest even more ways to save. Discounts differ depending on the state in which your insurance policy is written. You’ll see which discounts are applied when you complete your quote. Here’s a sample of the auto insurance discounts that might be included with your Progressive quote, along with other potential savings opportunities:

• 3-Year Accident Free and Violation Free – None of the eligible-to-be-rated drivers have any occurrence of an at-fault accident, major violation, speeding, DUI/DWI or non-fault accident, or a violation code in the past 35 months; the named insured must be 21 years of age or older; and the policy has prior insurance without a lapse or with a lapse of 30 days or less. (Exception: Comprehensive and non-fault incidents that occur after the original policy inception will not affect discount eligibility.) If a policy which previously had no prior insurance or had a lapse in coverage of more than 30 days has been in force with Progressive for at least 24 months, the policy is considered to have prior insurance. The discount applies to both new and renewal policies. The discount will be removed if an eligible-to-be-rated driver who does not meet the criteria is endorsed on the policy.


• 5-Year Accident Free – None of the eligible-to-be-rated drivers have had any occurrences of an at-fault accident in the past 59 months; the named insured is 23 years of age or older; the policy has prior insurance without a lapse or with a lapse of 30 days or less; and none of the eligible-to-be-rated drivers have any occurrence of an unverifiable driving record (UDR) or foreign driver’s license (FDL) in the past 35 months. If a policy which previously had no prior insurance or had a lapse in coverage of more than 30 days has been in force with Progressive for at least 24 months, the policy is considered to have prior insurance. The discount applies to both new and renewal policies. The discount will be removed if an eligible-to-be-rated driver who does not meet the criteria is endorsed on the policy.


• Advanced Quote – The quote must be initiated more than seven days before policy effective date. You must have prior insurance with no lapse in coverage. The discount will apply for 3 years; it will be removed on the 3-year anniversary of the policy. The discount will not apply if the named insured is single and excluded from the policy; or if the named insured is married and his/her spouse are both excluded from the policy.


• Accident Forgiveness – If you have a car insurance policy with Progressive for four years, and you remain accident free for three consecutive years, we won’t raise your rates because of an accident that happens after this time — even if you’re at fault. There’s no charge for Accident Forgiveness, but keep in mind that it applies to the first accident only after the specified time frame.


• Continuous Insurance – Applies if you have been continuously covered by private passenger automobile liability insurance for at least 6 months without a lapse greater than 30 days. The discount is applied based on the length of time you were insured with your most recent carrier. The level is determined at inception of the Progressive policy and is evaluated at each renewal. Once you have been covered by the Progressive policy longer than you were insured by your previous carrier, your Progressive tenure will determine the discount level received. Also, a policy that did not qualify for the discount at new business will receive the a discount at first renewal.


• E-sign – You can save on your first policy simply by signing your documents online after you buy.


• EFT/Bankdraft – If you select an EFT bill plan, you will receive a discount. The new business initial payment must be paid via the insured’s checking account (EFT) or by credit card. The discount will also apply to endorsements and renewals if the insured switches to or maintains an EFT bill plan.


• Homeowners – The named insured or spouse must own (but does not need to reside in) a home, townhome, or condominium. This does not apply to mobile homes. Proof of home ownership can be any combination of documents that indicates name, address, and proof that the customer owns, is making payments on, or is insuring the home.


• Minor Child – The licensed single driver is under age 19, and is the child of named insured. The policy is in force for at least 12 months. The discount will not apply on the segment of policies with youthfuls using the alternative driver/vehicle assignment calculation.


• Multi-Car – Insure more than one car and you’ll save money on your car insurance policy.


• Multi-Policy – The named insured and/or spouse has purchased an additional non-auto policy from Progressive; the additional policy may be a Motorcycle, Motor Home, Travel Trailer, Boat/Personal Watercraft, Snowmobile, Mobile Home, Commercial Auto, Personal Umbrella, or Progressive Home Advantage policy. The discount applies to both new and renewal policies. No more than one Multi Policy Discount will apply. The additional policy must be in effect and will be verified at point of sale and at renewal. The discount will be removed if the non-auto policy cannot be verified.


• MyRate® – You help control what you pay for auto insurance with MyRate. If you have safe driving habits, you could save money.


• Paperless – The named insured elects to receive policy documents electronically instead of by conventional mail and must provide and maintain a valid e-mail address. If you elect the paperless option mid-policy period, the discount will be effective on the day you confirm your paperless preference via the company Web site. If the insured requests that policy documents be sent by conventional mail, the discount will be removed.


• Pay in Full – Pay for your entire policy up front.