Modesto Progressive Insurance Agent – Trusted Auto, Home, and Commercial Insurance Support
Why Choose a Progressive Insurance Agent in Modesto, CA?
Choosing a Progressive Insurance agent in Modesto means you get the best of both worlds: local expertise and personal service from agents who know Modesto’s unique risks, plus the strength and innovation of a nationally trusted insurer.
Whether you visit a local agency like Silva Insurance Agency or Omega Pacific Insurance Solutions, you’ll receive tailored advice and support from professionals who understand the needs of Stanislaus County residents. Progressive’s national reputation for reliability, competitive pricing, and 24/7 customer support ensures you’re protected no matter what life brings.
California Auto Insurance Coverage with Progressive
Progressive offers comprehensive auto insurance options for Modesto drivers, including:
Liability Coverage: Meets California’s new 2025 minimums-$30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage per accident.
Collision & 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: Essential for Uber, Lyft, and delivery drivers.
SR-22 Filings: Progressive can handle SR-22 requirements for drivers needing proof of insurance for license reinstatement.
Progressive is among the most affordable options in Modesto, offering full coverage at $96 per month, making it a top choice for cost-conscious drivers.
Homeowners, Renters & Condo Insurance in Modesto
Modesto homeowners and renters face wildfire, earthquake, and theft risks. Progressive provides:
Homeowners Insurance: Covers your dwelling, belongings, and liability, with options to add wildfire and earthquake coverage through specialty partners.
Renters Insurance: Protects personal property and liability, with affordable add-ons for valuables and water backup.
Condo Insurance: Covers what your HOA doesn’t, including personal property and interior structures.
Mobile Home Insurance: Specialized coverage for manufactured homes, including protection against natural disasters.
Commercial Insurance Solutions for California Businesses
Progressive offers robust commercial insurance for Modesto businesses, including:
General Liability: Protects against lawsuits and third-party claims.
Commercial Auto: Covers business vehicles, from cars to large trucks.
Workers’ Compensation: Required for most businesses with employees in California.
Business Owner’s Policies (BOPs): Bundles property and liability coverage for small businesses.
Bundle and Save: Progressive Multi-Policy Discounts in Modesto
Save more by bundling your policies:
Auto + Home: Save an average of 7% on your auto policy when you bundle with home insurance.
Renters + Auto: Additional savings for combining renters and auto policies.
Umbrella Policies: Add extra liability protection and qualify for more discounts.
Multi-Car: Save when you insure more than one vehicle on your policy.
Wildfire, Earthquake & Flood Insurance Considerations in California
Standard homeowners policies typically exclude earthquake and flood damage. Progressive helps you:
Pair with Earthquake Insurance: Available through specialty partners for homeowners, renters, and condo owners.
Add Flood Insurance: Offered via the National Flood Insurance Program (NFIP) or private insurers for at-risk areas.
Customize Wildfire Coverage: Included in most standard policies, but may require higher deductibles or special endorsements in high-risk zones.
24/7 Claims Support Backed by Local Agent Service
Progressive’s national claims network is available 24/7 for auto, home, and business policies, ensuring fast, efficient claims handling. Your Modesto agent provides local, personal support-helping you file, track, and resolve claims with someone who knows your community.
How to Get a Progressive Insurance Quote in Modesto
Getting a quote is easy:
Online: Get a quote anytime using Progressive’s online tools.
Phone: Call a licensed agent for personalized service.
In-Person: Visit your local Modesto Progressive agent for face-to-face support.
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. Options include higher liability, rideshare coverage, and extra protection for valuables.
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, so the responsible driver pays for damages after an accident. Lenders may require additional property coverages, and earthquake insurance is recommended but not mandatory.
Ready to protect what matters?
Contact your Modesto Progressive Insurance agent for a free, no-obligation quote-online, by phone, or in person-and experience local service with national strength.
| Coverage Type | Key Benefits | Why It Matters in Modesto, CA |
|---|---|---|
| Auto Insurance | Liability, collision, comprehensive, uninsured motorist, SR-22, rideshare endorsements | Essential for commuters using CA-99, rideshare drivers, and farm vehicle owners |
| Homeowners Insurance | Dwelling protection, personal property, wildfire and theft endorsements | Protects homes in fire-risk zones and high-theft neighborhoods across Stanislaus County |
| Renters & Condo Insurance | Covers personal belongings, liability, loss of use | Ideal for college students, apartment renters, and downtown condo residents |
| Commercial Insurance | General liability, BOPs, commercial auto, workers’ comp | Perfect for local farms, small businesses, and tradespeople in Modesto |
| Bundle Discounts | Savings on combined auto + home, auto + renters, umbrella packages | Helps Modesto families and business owners lower premiums and simplify coverage |
| Specialty Coverage | Wildfire, earthquake, and flood coverage available through partners | Critical for homes near rural edges or Tuolumne River floodplain |
| Claims Support | 24/7 claims filing, app tracking, and Modesto agent assistance | Fast, accessible support plus the comfort of local, personal guidance |
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FAQs for Progressive Insurance Agent in Modesto, CA
Are Progressive’s online rates the same as rates from a Modesto agent?
No. Rates may differ when buying online versus through a local agent, as agent-sold policies include commission. Both options offer access to Progressive’s 24/7 claims support and online services.
What types of auto insurance does Progressive offer in California?
Progressive provides liability, collision, comprehensive, uninsured/underinsured motorist, rideshare endorsements, and SR-22 filings for California drivers.
How can I get a Progressive auto insurance quote in Modesto?
You can get a quote online, by phone, or through a local Modesto Progressive agent at any time.
What payment options are available for Progressive auto insurance?
You can pay online, through the Progressive app, by phone, text, automatic payments, or by mail using credit card, PayPal, check, money order, or EFT.
Can I make changes to my auto policy before renewal?
Yes. You can add or remove vehicles or drivers, change addresses, and more at any time online or by calling Progressive. Some changes may affect your premium.
Does Progressive cover rental cars?
Your Progressive auto policy may extend to rental cars, depending on your coverage. If you have comprehensive coverage, it typically applies to rental vehicles as well.
Can I insure a car that’s not in my name?
In most cases, yes, as long as the vehicle is regularly parked at your residence.
How quickly do policy changes take effect?
Most policy changes are effective immediately, but you may be able to select a future effective date for some changes.
Can I cancel my Progressive policy online?
Auto policies cannot be cancelled online, but you can cancel by phone, mail, or email.
Does Progressive offer homeowners, renters, condo, and mobile home insurance in Modesto?
Yes. Progressive offers all these coverages, including for manufactured homes, with policies underwritten by a network of partner companies.
How can I get a home, renters, or condo insurance quote?
You can get a quote online 24/7, by phone, or through your local Modesto agent.
Does Progressive cover wildfire, earthquake, and theft risks in California?
Standard homeowners policies cover wildfire and theft. Earthquake and flood coverage are typically excluded but can be added through specialty partners.
Who underwrites Progressive homeowners insurance in California?
Progressive uses a network of home insurance companies, so your provider may vary based on location.
How do I file a claim with Progressive in Modesto?
You can file a claim online, via the Progressive app, by phone, or through your local agent. Claims support is available 24/7 and you can use any repair shop you prefer.
How long does it take to resolve a claim?
Many property damage claims are resolved within 7 to 14 days, but repair times can vary depending on the damage and shop availability.
What are California’s minimum auto insurance requirements for 2025?
$30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage per accident.
Is earthquake insurance required for homeowners in California?
No, but it is recommended. Standard policies generally exclude earthquake and flood damage; these can be added through specialty providers.
Can I make changes to my Progressive policy online?
Yes, you can make many changes online, including updating vehicles, drivers, and addresses.
Can I switch insurance companies before my renewal date?
Yes, you can switch at any time, even if you recently renewed with another insurer. Unused premium is refunded.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed