American Access vs Progressive Car Insurance for 2023

If you’re shopping for car insurance, you may be considering American Access car insurance and Progressive car insurance. Both companies offer a range of products and services, but which one is the best fit for you? In this review, we’ll take a look at American Access vs Progressive Car Insurance for 2023 and help you make an informed decision.

Here are three interesting attributes of American Access and Progressive:

• American Access has been providing non-standard auto insurance to high-risk drivers since 1999. They pride themselves on offering affordable coverage to those who may have trouble obtaining it elsewhere.
• Progressive is a well-known brand that has been around since 1937. They are known for their innovative products and services, including Snapshot, a usage-based insurance program.
• Both companies have mobile apps that allow customers to manage their policies, file claims, and get roadside assistance.

Company History and Mission

American Access was founded in 1999 with the goal of providing affordable car insurance to high-risk drivers. Today, they operate in 13 states, including Illinois, Indiana, and Texas. Their mission is to help customers get the coverage they need at a price they can afford, regardless of their driving record.

Progressive was founded in 1937 by Jack Green and Joe Lewis. They started out as a small auto insurance company in Ohio and have since grown to become one of the largest providers of car insurance in the country. Their mission is to provide innovative products and services that help customers save money and make their lives easier.

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Products and Services

Both American Access and Progressive offer a range of products and services to meet the needs of different drivers. Here’s a breakdown of what each company has to offer:

American Access:

• Liability Coverage: This covers damage you cause to other people’s property or injuries they sustain in an accident.
• Collision Coverage: This covers damage to your own vehicle in the event of a collision.
• Comprehensive Coverage: This covers damage to your vehicle caused by something other than a collision, such as theft or vandalism.
• SR-22: If you’ve been convicted of certain driving offenses, you may be required to file an SR-22 form to prove you have insurance. American Access offers this service to customers who need it.
• Roadside Assistance: American Access offers 24/7 roadside assistance for customers who need help with a flat tire, dead battery, or other car-related issue.

Progressive:

• Liability Coverage: This covers damage you cause to other people’s property or injuries they sustain in an accident.
• Collision Coverage: This covers damage to your own vehicle in the event of a collision.
• Comprehensive Coverage: This covers damage to your vehicle caused by something other than a collision, such as theft or vandalism.
• Uninsured/Underinsured Motorist Coverage: This covers you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
• Personal Injury Protection: This covers medical expenses and lost wages if you or your passengers are injured in an accident.
• Usage-Based Insurance: Progressive offers Snapshot, a program that uses a device installed in your car to track your driving habits and offer discounts based on your safe driving.

Cost and Availability

The cost of car insurance can vary widely depending on a number of factors, including your age, driving record, and location. Both American Access and Progressive offer competitive rates, but the cost of your policy will depend on your individual circumstances.

American Access offers coverage in 13 states, including Illinois, Indiana, and Texas. Progressive offers coverage in all 50 states and the District of Columbia.

Discounts:

American Access offers a range of discounts, including safe driver discounts, multiple vehicle discounts, and homeowner discounts. The company also offers discounts for paying in full upfront, setting up automatic payments, and for completing a defensive driving course.

Progressive offers a variety of discounts, including safe driver discounts, multi-car discounts, and homeowner discounts. The company’s Snapshot program also offers personalized discounts based on driving behavior, such as safe driving habits, low mileage, and driving during safer times of day.

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Customer Reviews:

American Access has mixed customer reviews, with some customers reporting difficulty with claims and customer service. However, many customers appreciate the company’s affordable rates and coverage options for high-risk drivers.

Progressive has generally positive customer reviews, with customers praising the company’s competitive pricing, discounts, and customer service. Some customers have reported difficulty with claims, but overall the company has a solid reputation in the industry.

In summary, American Access and Progressive are two well-known car insurance providers that offer a range of coverage options and discounts to meet the needs of a variety of drivers. American Access specializes in non-standard auto insurance for high-risk drivers, while Progressive offers a range of standard and high-risk coverage options, as well as personalized discounts through its Snapshot program.

When choosing between these two providers, it is important to consider factors such as cost, coverage options, discounts, and customer reviews to make an informed decision. Whether you are a high-risk driver or have a clean driving record, both American Access and Progressive have something to offer.

FAQs:

Q: What is non-standard auto insurance?

A: Non-standard auto insurance is coverage for high-risk drivers who may have difficulty obtaining coverage through traditional insurance providers.

Q: What is telematics technology?

A: Telematics technology is a way of monitoring driving behavior using sensors and GPS technology to track things like speed, distance, and time of day. Insurance companies like Progressive use this data to offer personalized discounts to safe drivers.

Q: How can I qualify for discounts from American Access or Progressive?

A: Discounts vary based on the provider and the type of policy you have, but common ways to qualify include having a clean driving record, bundling multiple policies, paying in full upfront, and completing a defensive driving course. Be sure to check with your provider for specific details on available discounts.

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