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Progressive Commercial Truck Insurance Review


ConsumersAdvocate.org Rating: 4.9 / 5 (Excellent)
6 Customer Comments & Reviews - see all comments
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Founded in 1937, the Progressive Corporation is one of the largest insurers in the United States. It is headquartered in Ohio and offers a variety of insurance products including auto, property, motorcycle, boat, trailer and more. In terms of commercial vehicle insurance, it offers customized truck coverage, heavy truck claims, and federal filing assistance.
 
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How is Progressive rated?

Breakdown

5.0/5
Coverage
4.8/5
Total Costs
5.0/5
Extras

Overall Rating: 4.9 / 5 (Excellent)

Progressive gets high marks from us mainly due to its huge amount of coverage options for commercial vehicles, vast list of discounts, and superior financial strength. For a business that employs a fleet of any size, it is crucial to have the flexibility and solid financial backing Progressive offers. Business owners need to be sure their carrier will be able to pay out in the case of any incident, and also have a quick and painless claims-filing experience. Progressive commercial vehicle coverage excels in these areas.

Progressive Coverage Options

Coverage - 5 / 5

As commercial vehicle insurance goes, Progressive sets the standard for coverage options. Along with all the basic coverages you'd come to expect, the company also offers things like individual named insured endorsement, loading and unloading, and towing and labor costs. There is also comprehensive truck-specific coverage for cargo, general liability, and rental reimbursement. Finally, Progressive can extend coverage to just about any kind of commercial vehicle. If you don't see your type of vehicle represented here, call the company to verify as they don't list all possibilities online.

Basic Coverage

Liability
Bodily Injury
Property Damage
Uninsured/Underinsured Motorist
Medical Payments
Collision
Comprehensive
Types of Vehicles Covered
Cars
SUVs
Pickup Truck
Utility Vans
Bucket Trucks
Catering Trucks
Refrigerator Trucks
Dump Trucks
Motorhome/RV
Bus

Additional Coverage

  • Pet Injury Coverage
  • Fire and Theft with CAC
  • Individual Named Insured Endorsement
  • Loading & Unloading
  • Towing & Labor Costs
  • Rental Reimbursement
  • Sound System
  • Inland Marine
  • Hired Automobile
  • Non-Owned Automobile
Truck-Specific Coverage
Motor Truck General Liability
Trailer Interchange
Motor Truck Cargo
On-Hook Towing Insurance
Non-Trucking Liability
Rental Reimbursement with Downtime

Progressive Pricing & Discounts

Total Costs - 4.8 / 5

Progressive offers a larger than normal host of discount options for its commercial vehicle policies. Chief among these is the Commercial Driver's License discount, which can save CDL drivers as much as 2%. An even bigger discount of 4% can be gained for businesses that have been in operation for more than 3 years. Other discounts include an electronic funds transfer (EFT) discount, a personal vehicle insurance discount, and a paid-in-full discount.
Online Quote
Yes
Discounts
Package or Multi-Policy Discounts
Commercial Driver License (CDL) Discount
Time in Business Discount
Paid-in-Full Discount

Progressive Financial Strength

Financial Strength - 5 / 5

The Progressive Casualty Insurance Company is one of the largest and strongest vehicle insurers in the US. The company has rock-solid financial ratings from all of the main rating agencies with an A+ (Superior) from A.M. Best, an Aa2 (Highest) from Moody's, and an AA (Very Strong) from Standard & Poor's. When insuring something as expensive and irreplaceable as a commercial business fleet of any size, it is essential a customer be able to rely on unquestioned claims paying ability and creditworthiness.
Standard & Poor's Financial Rating
AA
Moody's Financial Rating
Aa2
AM Best Financial Rating
A+
Year Founded
1937
Company Type
Underwriter
Underwriter
Progressive Casualty Insurance Company

Progressive Customer Experience

Extras - 5 / 5

Progressive received an A- grade with the BBB, but has a low 4.7 score with Trustpilot. This, however, is based only on 6 reviews. Similarly, the company has slightly higher than the median share of complaints lodged with the NAICS, but this was only 15 for the entire year of 2017.
BBB Rating
A-
Number of BBB Positive Reviews
7
Number of BBB Negative Reviews
179
Trustpilot Rating
4.7 out of 10
NAIC Complaint Ratio 2017
1.26
NAIC Total Complaints 2017
15
Date Collected
2018-03-23

Company Profile

Full Name
Progressive Commercial Truck Insurance
Company Website
https://www.progressive.com/commercial-insurance/
Headquarters
6300 Wilson Mills Rd., Mayfield Village, OH, 44143

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6 Customer Comments & Reviews

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dispatch
11/26/2021
Hey I noticed %50 increase in my premium because of 3 violations that I received but did reconcile. Agent never had a god answer to give me for the %50 increase in premium for 2 straight trucks. She never actually tried to keep me with Progressive, she just explained everything. Also the communication sucks big time! If you want to write, you have to do it via their website but will receive an answer back in a month. If you want to call, prepare to wait longish time. Yeah. And I have both my cars and both my trucks with Progressive for YEARS now. They are pushing me away from them. Gotta migrate.

Jojo S
6/30/2021
I work for a dealerhip. We can never get people on the phone. We also RARELY get a COI back correct the first time for our customers and lenders. I am AGAIN today on hold for over an hour with Progressive to correct another MISTAKE on a COI that they made. Its an everyday thing here with them. 1/10 do not recommend

J
Joe J
4/20/2021
You will never get someone on the phone and the option to make changes on line does not exist pretty much. I have been on hold for over 30 mins and now 45 mins. I do here the music on hold that keeps telling me that my call is "VERY important to us". I dont believe it. I am changing.

vince.dunne
10/29/2020
One of their clients wrecked my Bentley as they took it off the truck and Amber Hughes was the agent and all she did was try to get around paying the claim. She came back ONE MONTH LATER and told me he does not have a policy there so they cannot pay it. He has a policy there. Amber hung up on me as she said we are just going in circles. She is the rudest, laziest, most unreliable person to deal with over here. DO NOT USE THEM.

gregrevans95
3/21/2020
We thought and were told we had paid our policy for the year. Three months later, progressive over doubled our rate. Doesn’t sound like ethical practice to me. Sounds like price gouging at its finest. We aren’t the only small company that progressive has done this to. I would look long and hard before taking out a policy with progressive. They will sell a policy for a good rate and then double your premium a few months into it. Big corporations making it impossible for honest everyday Americans to make a descent living.

gamingwhileiworkshhh
2/20/2020
Your coverage is very misleading to ALL FLATBED DRIVERS. Having a wetness clause for flatbed drivers without selling it in this manner is borderline unethical. g. (ii) Wetness, humidity, dampness, dryness, or changes in or extremes of temperature unless it results from damage to a transporting vehicle caused by a covered cause of loss.

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