American Family vs Progressive Car Insurance for 2023

Are you in the market for car insurance and trying to decide between American Family and Progressive? With so many options available, it can be overwhelming to choose the right one. In this review, we’ll compare American Family car insurance vs. Progressive car insurance for 2023 and give you all the information you need to make an informed decision. We’ll cover their history and mission, the products and services they offer, the cost of those services, and the states where they operate. We’ll also discuss the different types of discounts available to customers and how you can qualify for them. Finally, we’ll summarize customer reviews of both companies to give you an idea of what you can expect as a policyholder.

Interesting Attributes: Before we dive into the details of American Family vs. Progressive car insurance, let’s take a look at some interesting attributes of both companies:

• American Family is a mutual insurance company, meaning that it is owned by its policyholders. This can lead to a greater sense of community and shared values among policyholders.
• Progressive is known for its innovative technology, such as its Snapshot program that uses telematics to track driving behavior and offer personalized discounts based on safe driving habits.
• Both American Family and Progressive have strong financial ratings from independent agencies such as AM Best and Moody’s, indicating their ability to meet their financial obligations to policyholders.

Company History and Mission:

American Family was founded in 1927 by insurance salesman Herman Wittwer. The company’s mission is to inspire, protect, and restore dreams. American Family offers a variety of insurance products, including car insurance, home insurance, and life insurance. The company operates in 19 states, with a strong presence in the Midwest and West.

Progressive was founded in 1937 by Joseph Lewis and Jack Green. The company’s mission is to provide insurance that meets the needs of its customers. In addition to car insurance, Progressive offers home insurance, renters insurance, and business insurance. The company operates in all 50 states and has become known for its quirky marketing campaigns featuring the character Flo.

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Products and Services:

Both American Family and Progressive offer a range of car insurance products to meet the needs of their customers. These products include liability coverage, collision coverage, comprehensive coverage, and personal injury protection. American Family also offers rental car coverage and emergency roadside assistance, while Progressive offers gap insurance and custom parts and equipment coverage.

The cost of car insurance varies depending on a number of factors, including the type of coverage, the deductible, and the location of the policyholder. According to NerdWallet, the average annual premium for American Family car insurance is $1,391, while the average annual premium for Progressive car insurance is $1,419. However, it’s important to note that individual rates may vary based on a number of factors specific to the policyholder.

Discounts Offered to Customers:

Both American Family and Progressive offer a range of discounts to their customers. Some of the most common discounts include:

• Safe driver discounts for policyholders who have a clean driving record.
• Multi-car discounts for policyholders who insure more than one vehicle with the same company.
• Bundling discounts for policyholders who purchase multiple types of insurance (such as home and auto) from the same company.
• Good student discounts for policyholders who are enrolled in school and maintain a certain grade point average.

To qualify for these discounts, policyholders will typically need to meet certain criteria. For example, to qualify for a safe driver discount, the policyholder may need to have a clean driving record for a certain number of years.

Customer Reviews:

Both American Family and Progressive have received mixed reviews from customers. On the one hand, many customers appreciate the companies’ competitive pricing and range of products and services. On the other hand, some customers have reported issues with claims processing and customer service. Here is a summary of customer reviews for both American Family and Progressive:

American Family:

• According to JD Power’s 2021 U.S. Auto Insurance Study, American Family received an overall customer satisfaction rating of 851 out of 1,000, which is above the industry average.
• Customers appreciate the company’s affordable rates and helpful agents.
• Some customers have reported issues with claims processing and communication with the company.

Progressive:

• According to JD Power’s 2021 U.S. Auto Insurance Study, Progressive received an overall customer satisfaction rating of 849 out of 1,000, which is above the industry average.
• Customers appreciate the company’s competitive pricing and user-friendly website and app.
• Some customers have reported issues with claims processing and communication with the company.

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FAQs:

Q: Does American Family offer roadside assistance?

A: Yes, American Family offers emergency roadside assistance as part of its car insurance coverage. This includes services such as towing, lockout assistance, and fuel delivery.

Q: Does Progressive offer gap insurance?

A: Yes, Progressive offers gap insurance as an optional add-on to its car insurance policies. Gap insurance can help cover the difference between the actual cash value of a car and the amount owed on a car loan in the event of a total loss.

Q: Does American Family offer discounts for safe driving?

A: Yes, American Family offers a safe driver discount for policyholders who have a clean driving record for a certain number of years.

Q: Does Progressive offer a discount for bundling home and auto insurance?

A: Yes, Progressive offers a discount for policyholders who bundle their home and auto insurance with the company.

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