Progressive doesn't advertise any defensive driving discounts on its website, but you might still be able to get one. Progressive can reduce your rates by approximately 5% if you complete an approved defensive driving course and meet certain requirements. You may need to be a certain age, have a clean driving record, take the course voluntarily (not by court order), or meet other state-specific criteria to be eligible. You'll need to talk directly to a Progressive representative to find out the rules of where you live.
For example, if you take a defensive driving course through your state's DMV or other accredited organization, you might be eligible to receive a defensive driving discount from your car insurance provider. Usage-based insurance (UBI) is a type of insurance that modifies insurance costs depending on how often and how you drive. Completing a defensive driving course can help you save on car insurance if your insurance company offers a discount for defensive drivers. If you set up automatic payments for your car insurance premiums with a credit card or checking account, Progressive can offer you a discount on your policy.
If you know how car insurance works, you'll know that insurers usually have several discounts available. Auto insurance providers like Progressive don't usually offer defensive driving courses, but they can offer discounts for defensive driving. If you want to save more besides a discount for driving defensively, consider other ways to save money on car insurance. Progressive customers don't have to rely solely on getting a Progressive defensive driving discount to save money on their policies.
Getting a Progressive quote online or over the phone with an authorized Progressive agent could qualify you for this discount. This doesn't have to involve discounts at all and can include your driving history or specific policies from different car insurance companies. If you switch to Progressive from another insurance provider, Progressive may offer you a discount depending on how long you've been insured on an ongoing basis. For example, if you're using an online auto insurance marketplace to find lower rates than you're paying, use that information to negotiate a better rate with Progressive.
If you're a homeowner, whether it's insured through Progressive or not, you could qualify for this auto insurance discount. Defensive driving is typically aimed at young and older drivers who may have higher car insurance premiums, but a defensive driving discount can be offered to people of all ages. There are more than a dozen typical auto insurance discounts available, some of which you might not be aware of. Even if you don't plan to switch insurance providers, you may be able to negotiate a better deal with Progressive.