progressive rideshare insurance
As an independent agent working with Progressive, I’ve helped countless drivers like you find the right coverage.
Whether you’re cruising the streets of Atlanta, picking up fares in Phoenix, or navigating the Big Apple, I’ve got the inside scoop on what you need to know about Progressive’s rideshare insurance.
Let’s face it: rideshare insurance can be as confusing as a GPS on the fritz. But don’t worry; I’m here to explain it in plain English. No fancy jargon or confusing terms – talk about protecting yourself and your ride while hustling.
So, buckle up, and let’s dive into the nitty-gritty of Progressive rideshare insurance. I promise to keep it as painless as possible – and hey, you might even learn something that saves you a bundle down the road. Ready to roll? Let’s get started!
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What Is Progressive Rideshare Insurance?
Progressive’s rideshare insurance is designed to fill the critical gaps in coverage that exist for drivers working with companies like Uber and Lyft. The key benefit is protection during what we call “Period 1” – that time when you’re logged into the app and waiting for a ride request.
Here’s how Progressive bridges those coverage gaps:
During Period 1, Progressive extends your personal auto policy coverages to your rideshare activities. This means you get comprehensive, collision, uninsured/underinsured motorist, and personal injury protection – coverages that the rideshare company’s insurance typically doesn’t provide during this period.
Once you accept a ride and are en route to pick up a passenger (Period 2) or have a passenger in the car (Period 3), the rideshare company’s insurance becomes primary. However, Progressive still provides some benefits during these periods, like rental car reimbursement and roadside assistance.
One of the most valuable features is Progressive’s deductible reimbursement. If you have to file a claim through the rideshare company’s insurance, which often has a high deductible, Progressive will reimburse you for the difference between their deductible and yours. For example, if Uber’s deductible is $1,000 and your Progressive deductible is $500, they’ll pay you the $500 difference.
The cost to add this coverage is typically around 15-20% of your premium. In my experience, most drivers find this a small price to pay for the peace of mind it provides.
It’s worth noting that Progressive requires rideshare drivers to add this coverage to their personal auto policy. This ensures you’re always properly protected, whether you’re driving for personal reasons or rideshare work.
Key Features and Benefits of Progressive Rideshare Insurance
Extended Coverage
One of Progressive’s rideshare insurance’s most significant advantages is its continuous coverage. You’re protected from the moment you turn on your rideshare app until you turn it off. This is crucial because it fills that gap during Period 1 when you’re waiting for a ride request. Here’s how it works:
– When logged in and waiting for a ride, Progressive extends your personal policy coverages to your rideshare activities. This includes comprehensive, collision, uninsured/underinsured motorist, and personal injury protection.
– Even after you accept a ride and the rideshare company’s insurance becomes primary, Progressive still provides some benefits like rental car reimbursement and roadside assistance.
This seamless coverage means you don’t have to worry about potential gaps that could leave you financially vulnerable.
Affordable Add-On Coverage
Another great feature is that Progressive offers this as an affordable endorsement to your existing auto policy. Here’s why this is beneficial:
– You don’t need to purchase a separate, more expensive commercial policy.
– The cost to add rideshare coverage is typically around 15-20% of your premium.
– It’s much more cost-effective than risking a gap in coverage or buying a full commercial policy.
For example, if your current premium is $100 per month, you might only pay an additional $15-$20 for rideshare coverage. That’s a small price for the peace of mind and protection it provides.
Additionally, Progressive offers a unique deductible reimbursement feature. If you must file a claim through the rideshare company’s insurance, which often has a high deductible, Progressive will reimburse you for the difference between their deductible and yours. This can save you hundreds of dollars out of pocket in the event of an accident.
Comparing Progressive Rideshare Insurance to Competitors
As an independent agent who works with Progressive and other carriers, I’ve helped many rideshare drivers compare their options. Here’s how Progressive’s rideshare insurance stacks up against the competition:
Coverage Flexibility
Progressive offers solid flexibility in their rideshare coverage:
– It extends your personal auto policy coverages to Period 1 (app on, waiting for a ride request).
– During Periods 2 and 3, Progressive still provides rental car reimbursement and roadside assistance.
This flexibility is comparable to State Farm, which covers all three periods. However, it’s more comprehensive than competitors like Allstate, which may only cover Period 1.
Pricing
Progressive’s pricing for rideshare coverage is competitive:
– On average, adding rideshare coverage to a Progressive policy costs about $38 per month.
– This aligns with Allstate’s average cost but is higher than State Farm and USAA.
However, some Progressive customers report paying as little as $15-20 extra monthly. Your actual cost may vary based on factors like your location, driving history, and vehicle.
Unique Benefits
Progressive offers some standout features:
– Deductible reimbursement: If you have to file a claim through the rideshare company’s insurance, Progressive will reimburse you for the difference between their deductible and yours.
– One policy, one payment: You can cover both personal and rideshare driving under a single policy.
Availability
Progressive offers rideshare coverage in most states. This wide availability gives Progressive an advantage over some competitors, who may have more limited offerings.
Coverage for Delivery Services
Progressive’s rideshare policies in most states also cover delivery drivers for services like Uber Eats or DoorDash. This isn’t always the case with competitors, making Progressive a good choice if you do both rideshare and delivery work.
Progressive Rideshare Insurance Comparison
| Feature | Progressive | Allstate | State Farm | USAA |
|---|---|---|---|---|
| Average Monthly Cost | $177 | $174 | $108 | $114 |
| Cost to Add Rideshare | $38 | $38 | $23 | $23 |
| Coverage Flexibility | Covers all periods; deductible reimbursement | Covers Period 1; high deductible gap coverage | Covers all periods; no deductible change | Covers all periods; varies by state |
| Unique Benefits | Deductible reimbursement, single policy for personal and rideshare use | High deductible gap coverage | Emergency roadside service | Varies by state |
| Availability | All 50 states | Varies by state | Varies by state | Varies by state |
| Coverage for Delivery Services | Yes, in most states | Limited | Limited | Limited |
Key Takeaways
– **Progressive** offers comprehensive coverage across all periods with unique benefits like deductible reimbursement and is available in all 50 states.
– **Allstate** provides coverage primarily for Period 1 with high deductible gap coverage.
– **State Farm** covers all periods and includes emergency roadside service.
– **USAA** offers competitive pricing with coverage that varies by state.
Progressive stands out for its flexibility, unique benefits, and wide availability, making it a strong choice for rideshare drivers.
Scenarios Where Rideshare Insurance Protects You
Here are some real-world scenarios where Progressive Rideshare Insurance would be crucial for rideshare drivers, particularly during Period 1 when the app is on but no passenger is assigned:
Scenario 1: Accident While Waiting for a Ride Request
Imagine you’re logged into your rideshare app, parked, and waiting for a ride request. Suddenly, another vehicle rear-ends you. In this situation, your personal auto insurance might not cover the damages because you’re technically using your car for commercial purposes. Progressive’s rideshare insurance provides comprehensive collision coverage to repair your vehicle and cover any liabilities.
Scenario 2: Hit-and-Run Incident
With the app on, you’re waiting at a stoplight when a driver sideswipes your car and speeds off. The rideshare company’s insurance typically provides minimal coverage during this period, leaving you vulnerable. Progressive’s rideshare insurance covers uninsured/underinsured motorist incidents, ensuring you’re not left paying out of pocket for repairs or medical expenses if the other driver can’t be identified.
Scenario 3: Vandalism While Logged In
Suppose you’re parked in a busy area waiting for a ride request, and someone vandalizes your car. With only the rideshare company’s limited liability coverage during Period 1, you might have to cover repair costs yourself. However, Progressive’s comprehensive coverage would handle such damages, protecting you from unexpected expenses.
Scenario 4: Personal Injury Protection
While waiting for a ride request, you get into an accident that results in injuries. Progressive’s rideshare insurance includes personal injury protection (PIP), which can cover medical expenses regardless of who was at fault in the accident. This ensures you receive necessary medical care without financial stress.
Cost and Savings of Adding Rideshare Coverage
How Much Does It Cost?
Adding rideshare coverage to your existing Progressive policy typically costs about $38 per month, bringing the total average monthly cost to $177. This is slightly below the industry average of $179. Compared to maintaining separate commercial and personal auto policies, this add-on is a cost-effective solution, as commercial policies can be significantly more expensive.
Discount Opportunities with Progressive
Progressive offers several opportunities for savings when adding rideshare coverage:
– **Bundling Discounts:** You can save by bundling your auto policy with other types of insurance, such as home or renters insurance.
– **Deductible Reimbursement:** Progressive provides deductible reimbursement, covering the difference between the rideshare company’s deductible and your personal policy’s deductible.
– **Single Policy Convenience:** By combining personal and rideshare coverage into one policy, you avoid the complexities and potentially higher costs of managing separate policies.
How to Get Progressive Rideshare Insurance
To get Progressive Rideshare Insurance, follow these steps to obtain a quote and add the coverage to your existing auto policy. As your local independent Progressive agent, Blake Insurance Group is here to assist you through the process:
Steps to Get a Quote and Apply
**Contact Blake Insurance Group:**
– Reach out to us directly. As your local independent Progressive agent, we can provide personalized assistance and answer any questions you may have about rideshare insurance.
– You can call us or visit our office for a face-to-face consultation.
**Understand Your Current Coverage:**
– Review your existing Progressive auto policy with us to understand your current coverages.
– We’ll explain how the rideshare endorsement will extend these coverages when you’re using your vehicle for rideshare purposes.
**Request a Rideshare Endorsement:**
– Call Progressive at 1-855-347-3939 or contact us directly to request adding a rideshare endorsement to your policy.
– If you’ve worked with us before, you can call us directly for a seamless experience.
**Choose a Deductible:**
– Decide on a deductible that suits your financial situation. A higher deductible will lower your monthly premium but increase out-of-pocket costs in case of a claim.
**Get Your Quote:**
– We will calculate your rideshare insurance premium and provide you with a quote.
– Ask about any discounts you might be eligible for, such as bundling discounts or safe driver discounts.
**Review and Accept the Policy:**
– Once satisfied with the quoted rate, we’ll help you finalize the endorsement and integrate it into your existing policy.
– Pay the first premium to activate the coverage. After this, you’ll pay a combined monthly premium for both personal and rideshare insurance.
**Ongoing Support:**
– As your local agent, Blake Insurance Group offers ongoing support for any claims, policy changes, or additional questions you might have.
Frequently Asked Questions about Progressive Rideshare Insurance
What is Progressive Rideshare Insurance?
Progressive Rideshare Insurance is an endorsement that can be added to your personal auto policy to cover you while driving for rideshare companies like Uber and Lyft. It fills the coverage gaps during Period 1 (app on, waiting for a ride request) when your personal policy and the rideshare company's insurance may not fully protect you.
How does Progressive Rideshare Insurance work?
Progressive extends your personal auto policy coverages to include rideshare activities during Period 1. This includes comprehensive, collision, uninsured/underinsured motorist, personal injury protection, rental car reimbursement, and roadside assistance. During Periods 2 and 3, the rideshare company's insurance is primary, but Progressive still provides rental car reimbursement and roadside assistance.
Is it mandatory to add rideshare insurance to my Progressive policy?
Yes, Progressive requires you to add rideshare insurance coverage to your personal auto policy if you're driving for a rideshare company. This ensures you have adequate protection beyond what's provided by the rideshare company's insurance policy.
How much does Progressive Rideshare Insurance cost?
On average, adding rideshare coverage to your Progressive policy costs about $38 per month. This cost can vary based on your location, driving history, and vehicle type.
What are the policy limits and deductibles for Progressive Rideshare Insurance?
The policy limits and deductibles for Progressive Rideshare Insurance mirror those of your personal auto policy. For example, if you have a $500 deductible on your personal policy, it will apply to your rideshare coverage as well. Progressive also offers deductible reimbursement to cover the difference between the rideshare company's deductible and your personal policy's deductible.
How does Progressive Rideshare Insurance interact with the rideshare company's insurance?
During Period 1, Progressive's rideshare insurance is primary. Once you accept a ride request (Period 2) and while transporting passengers (Period 3), the rideshare company's insurance takes over. However, Progressive still provides some benefits like rental car reimbursement and roadside assistance during these periods.
Can I get Progressive Rideshare Insurance in my state?
Progressive offers rideshare insurance in all 50 states. You can contact Progressive or your local agent to add this endorsement to your policy.
How do I purchase Progressive Rideshare Insurance?
To purchase Progressive Rideshare Insurance, you can call Progressive at 1-855-347-3939 or contact your local agent. They will guide you through the process of adding the rideshare endorsement to your existing policy.
What benefits does Progressive Rideshare Insurance offer?
Key benefits include extended coverages during Period 1, deductible reimbursement, and the convenience of having both personal and rideshare coverage under one policy.
Can I get a quote for Progressive Rideshare Insurance online?
While you can get general information online, it's best to contact Progressive or your local agent for a personalized quote and to add the rideshare endorsement to your policy.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed