American Family vs. Progressive Auto Insurance (2024)

American Family and Progressive Auto Insurance are two well-known insurance providers in the United States. While both companies offer auto insurance coverage, there are some key differences to consider:

• American Family: American Family Insurance is a mutual company that has been in operation for over 90 years. They provide a wide range of insurance products, including auto insurance, home insurance, and life insurance. American Family Insurance is known for its personalized customer service and emphasis on building long-term relationships with policyholders. They offer various discounts and benefits to policyholders, including accident forgiveness and a loyalty rewards program.
• Progressive: Progressive Insurance is one of the largest auto insurance companies in the United States. They are known for their innovative approach to insurance, including the use of technology and data analytics. Progressive offers a range of coverage options, including standard auto insurance, as well as specialized coverage for motorcycles, RVs, and boats. They are often associated with their “Name Your Price” tool, which allows customers to customize their coverage based on their budget.

The rates offered by American Family and Progressive Auto Insurance can vary based on several factors, including your location, driving history, age, and the type of coverage you need. It’s essential to compare rates from Progressive and American Family to determine which one offers better rates for your specific circumstances. Keep in mind that the rates can also be influenced by the available discounts and any unique features or benefits offered by each company.

Both American Family and Progressive offer various discounts to help policyholders save on their auto insurance premiums. Here are some common discounts provided by each company:

American Family:

• Multi-vehicle discount: Save when you insure more than one vehicle with American Family.
• Good driving discount: American Family insurance good student discount is for drivers who maintain a clean driving record.
• Bundling discount: Save by bundling your auto insurance policy with other insurance products, such as home or renters insurance.
• Loyalty discount: Earn discounts for being a long-term American Family policyholder.
• Student discounts: Discounts are available for high-performing students and those who complete a driver education course.

Progressive:

• Snapshot program: Progressive offers a usage-based program called Snapshot, which tracks your driving habits and can lead to additional discounts based on safe driving behavior.
• Multi-policy discount: Save by bundling your auto insurance with other policies like home or renters insurance.
• Multi-car discount: Insure more than one vehicle with Progressive to receive a discount.
• Good student discount: Discounts are available for students who maintain good grades.
• Continuous insurance discount: If you have had continuous auto insurance coverage without a gap, you may be eligible for a discount.

To file Progressive or American Family claims, follow these general steps:

American Family:

• Contact American Family’s auto claims department either through their website, mobile app, or by phone.
• Provide necessary information about the incident, such as the date, time, location, and a detailed description of what happened.
• Provide your policy information and answer any additional questions asked by the claims representative.
• Follow any instructions given by American Family, such as providing supporting documents or getting repair estimates.
• Work with the claims representative throughout the process to ensure your claim is handled promptly and fairly.

Progressive:

• File a claim online through the Progressive website or mobile app, or contact their claims department by phone.
• Provide information about the incident, including the date, time, location, and a description of what happened.
• Provide your policy details and answer any additional questions asked by the claims representative.
• Cooperate with Progressive’s instructions, which may include obtaining repair estimates, submitting photos, or providing any necessary documentation.
• Stay in touch with the claims representative to track the progress of your claim and address any concerns or questions you may have.

Yes, both Progressive and American Family Insurance offer online policy management options for their customers. These online platforms allow you to access and manage your policy conveniently. Some of the features you can typically expect to find include:

• View and update policy information.
• Make payments and set up automatic payment options.
• Review coverage details and add or remove coverage options.
• Access policy documents and review your insurance history.
• File and track claims.
• Request policy changes or endorsements.
• Communicate with customer service representatives.

Both American Family and Progressive offer various discounts to help policyholders save on their auto insurance. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and more. However, the specific discounts available and their eligibility criteria can differ between the two companies, so it is advisable to inquire directly with each insurer to determine which discounts you may qualify for.

American Family and Progressive have established claims processes to assist policyholders in the event of an accident or damage to their vehicle. They both provide options for filing claims online, over the phone, or through their mobile apps. It is important to contact your insurance provider promptly after an incident to initiate the claims process and receive guidance on how to proceed.

According to our Progressive and American Family insurance review, both companies have strong financial ratings. Progressive’s A.M. Best rating is an A+. On the other hand American Family auto insurance reviews reveal that the company has an A rating from A.M. Best.

Our Progressive and American Family car insurance review suggests that both companies offer the option to bundle your auto insurance with other policies, such as home insurance, renters insurance, or umbrella insurance. Bundling policies with the same insurer often leads to potential discounts and convenience of managing multiple policies under one provider. It is advisable to inquire with each company about the specific bundling options available and the potential benefits.

Yes, Progressive can file an SR-22 form on behalf of the policyholder to confirm that they carry the state-mandated car insurance coverage.

Yes, American Family can assist high-risk drivers in obtaining an SR-22 certificate to prove they have the necessary insurance coverage required by their state.

Progressive offers accident forgiveness which ensures that your insurance rates won’t increase after your first accident.

Progressive is considered a good car insurance company by many customers. It is known for its competitive pricing, extensive coverage options, and user-friendly online tools.

American Family Insurance is generally a good insurance company. It offers a wide range of insurance products and has strong customer service ratings. American Family insurance claim process receives good reviews, though some customers may find American Family insurance quotes higher compared to other insurers.

Yes, Progressive is known for offering competitive rates, a variety of discounts, and a user-friendly online experience.

American Family insurance may be expensive due to various factors, including their comprehensive coverage options, the specific risk profile of the policyholder, and the level of customer service and personalized attention.

Progressive’s renters insurance price can vary depending on several factors, including the coverage amount, location, and deductible. However, on average, renters insurance from Progressive typically costs between $10 and $25 per month.