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Why Choose a Progressive Insurance Agent in Fremont, CA?

Choosing a Progressive Insurance agent in Fremont, CA means partnering with a local expert who understands the unique insurance needs of Bay Area residents, backed by Progressive’s national reputation for reliability and innovation. 

As a trusted local agency, we offer personalized service, in-depth knowledge of Fremont’s neighborhoods, and solutions tailored for California’s evolving risks-whether you’re driving in Silicon Valley traffic, protecting your home from wildfire, or growing a small business. With Progressive, you get the best of both worlds: local, face-to-face support and the strength of one of America’s top insurers.

California Auto Insurance Coverage with Progressive

Progressive offers a comprehensive suite of auto insurance options for California drivers, including:

• Liability Coverage: Meets and exceeds California’s new 2025 minimums-$30,000 bodily injury per person, $60,000 per accident, and $15,000 for property damage.

• Collision and Comprehensive: Protects your vehicle from accidents, theft, vandalism, and natural disasters.

• Uninsured/Underinsured Motorist: Covers your injuries if hit by a driver with insufficient insurance (offered but can be declined).

• Rideshare Endorsements: Add rideshare coverage to your personal policy or get a commercial policy if you drive for Uber, Lyft, or other platforms.

• SR-22 Filings: Progressive can handle SR-22 requirements for drivers needing proof of insurance for license reinstatement.

Homeowners, Renters & Condo Insurance in Fremont, CA

Fremont residents face unique property risks-from wildfires in the hills to earthquake tremors and urban theft. Progressive offers:

• Homeowners Insurance: Covers your dwelling, personal property, liability, and loss of use, with options to add wildfire and earthquake coverage through partnerships like the California Earthquake Authority.

• Renters Insurance: Protects your belongings against fire, theft, and liability, with affordable rates and options for valuable item riders, water backup, and personal injury coverage.

• Condo & Mobile Home Insurance: Tailored policies for condo owners and mobile/manufactured homes, including add-ons for earthquake and theft.

• Add-Ons: Customize your policy with endorsements for jewelry, electronics, water backup, and more.

Commercial Insurance Solutions for California Businesses

Progressive is the nation’s leading commercial auto insurer, offering robust solutions for Fremont’s entrepreneurs, sole proprietors, and LLCs:

• General Liability: Protects against lawsuits and third-party claims.

• Commercial Auto: Covers vehicles used for business, from delivery vans to rideshare fleets.

• Workers’ Compensation: Required for most California businesses with employees.

• Business Owner’s Policies (BOPs): Bundle property and liability coverage for comprehensive protection.

• Flexible Billing & Claims: 24/7 claims service and flexible payment options designed for small business needs.

Bundle and Save: Progressive Multi-Policy Discounts in Fremont

Save more by bundling your auto, home, renters, or umbrella policies with Progressive:

• Auto + Home: Average savings of 7% on your auto policy.

• Renters + Auto: Save an average of 3% (discount applied to auto policy).

• Umbrella Policies: Add extra liability protection and qualify for additional discounts.

• One Deductible: For bundled policies, a single deductible may apply if one event causes losses to both auto and property.

Wildfire, Earthquake & Flood Insurance Considerations in California

Standard homeowners policies often exclude earthquake and flood damage. Pair your Progressive policy with:

• Earthquake Insurance: Available through the California Earthquake Authority for homeowners, renters, and condo owners.

• Flood Insurance: Offered via the National Flood Insurance Program (NFIP) or private insurers for at-risk areas.

• Wildfire Coverage: Included in most standard policies, but may require higher deductibles or separate endorsements in high-risk zones.

24/7 Claims Support Backed by Local Agent Service

Progressive’s national claims network operates 24/7, ensuring fast, efficient claims handling for auto, home, and business policies. As your local Fremont agent, we provide personal guidance-helping you file, track, and resolve claims with the support of someone who knows your community.

How to Get a Progressive Insurance Quote in Fremont, CA

Getting covered is easy:

• Online: Get a quote 24/7 using Progressive’s online tools.

• Phone: Call a licensed representative for personalized guidance.

• In-Person: Visit your local Fremont Progressive agent for face-to-face service and local expertise.

Customized Coverage for California Drivers and Homeowners

Progressive policies are flexible-choose your limits, add endorsements, and tailor coverages for urban, suburban, or wildfire-prone areas. Whether you need higher liability, rideshare coverage, or extra protection for valuables, we build policies around your life.

California Insurance Laws and Minimum Requirements

As of January 1, 2025, California’s auto insurance minimums are:

• $30,000 bodily injury per person

• $60,000 bodily injury per accident

• $15,000 property damage per accident

California is an at-fault state, meaning the responsible driver pays for damages after an accident. For property, lenders may require additional coverages, and earthquake insurance is recommended but not mandatory.

Ready to protect what matters?
Contact your Fremont Progressive Insurance agent for a free, no-obligation quote-online, by phone, or in person-and experience local service with national strength.