The Top 5 Discounts to Ask for with Progressive Insurance

In today’s fast-paced world, saving money is more important than ever. With rising inflation, unpredictable fuel prices, and the increasing cost of living, every dollar counts—especially when it comes to auto insurance. Progressive Insurance is known for its competitive rates, but did you know they also offer a variety of discounts that can help you save even more? Whether you're a safe driver, a student, or a homeowner, there’s likely a discount you qualify for.

Here are the top five discounts you should ask for when getting a quote from Progressive Insurance.

1. Safe Driver Discount

Why It Matters Now More Than Ever

With distracted driving on the rise due to smartphones and in-car tech, insurers are rewarding those who maintain clean driving records. Progressive’s Safe Driver Discount is one of the most straightforward ways to lower your premium.

How to Qualify

• No at-fault accidents in the past three years
• No moving violations (speeding tickets, DUIs, etc.)
• Enrollment in Progressive’s Snapshot® program (optional but can increase savings)

Pro Tip

If you’ve recently completed a defensive driving course, ask if Progressive accepts it for additional savings. Many states mandate discounts for certified courses.

2. Multi-Policy Discount (Bundling)

The Power of Bundling in an Unstable Economy

Inflation has made budgeting tougher, and bundling insurance policies is a smart way to consolidate expenses. Progressive rewards customers who bundle auto insurance with other policies like homeowners, renters, or motorcycle insurance.

What You Can Bundle

• Auto + Homeowners Insurance – Ideal for property owners
• Auto + Renters Insurance – Perfect for apartment dwellers
• Auto + Motorcycle Insurance – Great for riders

Estimated Savings

Customers who bundle often save up to 12% on their premiums.

3. Pay-in-Full Discount

A Smart Financial Move in a High-Interest Era

With interest rates climbing, paying upfront instead of monthly can help you avoid financing fees. Progressive offers a Pay-in-Full Discount for policyholders who pay their entire six-month or annual premium at once.

How Much You Can Save

• Typically 5-10% off your total premium
• No installment fees or surprise rate hikes

Budgeting Hack

If paying upfront is tough, consider setting aside money monthly in a high-yield savings account, then using it to pay your premium when due.

4. Good Student Discount

Education Pays Off—Literally

College tuition and student loan debt are at an all-time high, making every bit of financial relief crucial. Progressive’s Good Student Discount helps young drivers (and their parents) save money.

Eligibility Requirements

• Full-time high school or college student
• Maintain a B average (3.0 GPA) or higher
• Under 25 years old

Potential Savings

• Up to 10% off for qualifying students

Bonus for Parents

If your teen is on your policy, this discount can significantly reduce the cost of insuring a young driver.

5. Usage-Based Discount (Snapshot®)

The Future of Insurance in a Data-Driven World

Telematics is revolutionizing auto insurance, and Progressive’s Snapshot® program rewards safe driving habits with personalized discounts.

How It Works

• Plug a device into your car or use the mobile app
• Drive as usual—Snapshot tracks braking, speed, and mileage
• Earn discounts based on your driving behavior

Who Benefits Most?

• Low-mileage drivers (remote workers, retirees)
• Drivers who avoid hard braking and late-night trips

Savings Potential

• Average savings of $146 per year (varies by driving habits)

Privacy Concerns?

Progressive assures users that Snapshot® does not track location—only driving behavior.

Final Thoughts

Insurance doesn’t have to break the bank. By leveraging these five discounts, you can maximize savings while maintaining quality coverage. Always ask your Progressive agent about available discounts—you might qualify for more than you think!