Auto Club vs Progressive Car Insurance for 2023
Discover the comparison between Auto Club (AAA) and Progressive, where Auto Club's extensive services and roadside assistance meet Progressive's commitment to innovation and affordable solutions.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Discerning the most cost-effective option tailored to individual profiles involves a careful analysis of various factors. This comprehensive data table meticulously examines the impact of credit score, mileage, coverage level, and driving record on insurance rates for both Auto Club (AAA) and Progressive. From favorable rates for high credit scores to advantageous premiums for low-mileage drivers, and insights into the correlation between coverage levels and pricing, this overview serves as a concise guide. Whether you’re a meticulous planner with a pristine driving record or a cautious driver aiming for optimal savings, this data-driven exploration unveils the nuanced details that influence insurance rates, aiding you in making an informed and economical choice.
| Factor | Auto Club | Progressive |
|---|---|---|
| Clean Record | $85 | $105 |
| 1+ Ticket | $110 | $140 |
| 1+ Accident | $125 | $186 |
| DUI | $140 | $140 |
| Poor Credit | $146 | $181 |
| Discount | Auto Club | Progressive |
|---|---|---|
| Safe Driver | 5% | 31% |
| Low Mileage | 10% | 20% |
| Anti Theft | 10% | 5% |
| Paperless | 7% | 15% |
| Senior Driver | 15% | 10% |
| Good Student | 10% | 10% |
Auto Club Car Insurance
Pros:
- Longstanding Reputation: Auto Club, with over a century of experience, has a longstanding and reputable history in providing roadside assistance and insurance services.
- Diverse Insurance Offerings: Apart from car insurance, Auto Club offers a comprehensive range of insurance services, including home, renters, condo, life, travel, and pet insurance.
- Extensive Membership Benefits: Auto Club’s membership comes with additional benefits, such as discounts on travel, entertainment, and shopping.
- Positive Customer Reviews: Customers appreciate Auto Club for its excellent customer service, affordable prices, and comprehensive coverage options, as reflected in the 4.3-star Trustpilot rating.
Cons:
- Limited Geographic Presence: Auto Club operates in 23 states across the United States, limiting its availability compared to nationwide providers.
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Progressive Car Insurance
Pros:
- Innovative Technology: Progressive is known for its cutting-edge technology, including the Snapshot program and a user-friendly mobile app, enhancing policy management and potential savings.
- Nationwide Coverage: Progressive operates in all 50 states and the District of Columbia, providing extensive coverage across the country.
- Diverse Discounts and Programs: Progressive offers various discounts and programs, such as the Snapshot program, bundling discounts, and continuous insurance discounts.
- Positive Customer Reviews: Customers praise Progressive for its easy-to-use mobile app, competitive prices, and helpful customer support, earning it a 4.5-star rating on Trustpilot.
Cons:
- Less Extensive History: Compared to Auto Club, Progressive has a relatively shorter history in the insurance industry, founded in 1937.
- Limited Additional Services: While Progressive focuses on car insurance, it offers fewer additional services compared to Auto Club, such as the absence of home or life insurance options in its portfolio.
The Clear Winner: Progressive Car Insursace
Auto Club is well-regarded with a broad range of services and a dedicated customer following, but Progressive stands out as the better choice overall due to its competitive pricing, inventive programs, widespread availability, and technological advancements. Here’s why:
Competitive Pricing: Progressive not only offers a range of discounts but is also praised for its competitive pricing, making it an attractive option for budget-conscious consumers.
Innovative Programs: The Snapshot program sets Progressive apart, providing a usage-based insurance option that can lead to personalized discounts based on driving behavior. This innovation aligns with their mission to provide “innovative and affordable insurance solutions.”
Nationwide Accessibility: Progressive’s nationwide coverage ensures that it caters to a broader audience compared to Auto Club’s limited presence in 23 states.
Technological Edge: Progressive’s commitment to cutting-edge technology, exemplified by its user-friendly mobile app, reflects a dedication to enhancing the customer experience.
While Auto Club has a strong reputation, diverse offerings, and a loyal customer base, Progressive’s combination of competitive pricing, innovative programs, nationwide accessibility, and technological advancements make it the superior choice overall.
Auto Club vs Progressive: Company History and Mission
Auto Club, also known as AAA, has been providing roadside assistance and insurance services to drivers since 1902. Today, the company has over 60 million members across the United States and Canada. Auto Club’s mission is to provide peace of mind to members on the road, every day.
In addition to car insurance, Auto Club offers a variety of other services, including travel and home insurance, as well as discounts on travel, entertainment, and shopping.
Progressive, on the other hand, is a more recent addition to the car insurance industry. The company was founded in 1937 and has since become one of the largest car insurance providers in the United States. Progressive’s mission is to provide innovative and affordable insurance solutions.
The company is known for its cutting-edge technology, including the Snapshot program and mobile app, which make it easy for customers to manage their policies and save money.
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Auto Club vs Progressive: Products and Services
Auto Club and Progressive both offer a range of car insurance products and services to meet the needs of drivers.
Auto Club offers the following types of coverage:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Roadside assistance
In addition to car insurance, Auto Club also offers the following types of insurance:
- Home insurance
- Renters insurance
- Condo insurance
- Life insurance
- Travel insurance
- Pet insurance
Auto Club’s prices vary based on the coverage options you choose, your driving record, and other factors. The company operates in 23 states across the United States.
Progressive offers the following types of coverage:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Roadside assistance
In addition to standard car insurance, Progressive offers the following programs and services:
- Snapshot usage-based insurance
- Name Your Price tool
- Progressive app
- Claims service
- 24/7 customer support
Progressive’s prices also vary based on the coverage options you choose, your driving record, and other factors. The company operates in all 50 states and the District of Columbia.
Auto Club vs Progressive Car Insurance: Discounts Offered to Customers
Both Auto Club and Progressive offer a variety of discounts to help customers save money on their car insurance premiums. Here are some of the discounts you may be eligible for.
Auto Club Discounts:
- Multi-car discount
- Good driver discount
- Anti-theft device discount
- AAA membership discount
- Homeowner discount
- Paperless discount
- Early signing discount
Progressive Discounts:
- Multi-car discount
- Homeowner discount
- Bundling discount
- Good driver discount
- Continuous insurance discount
- Snapshot program discount
To qualify for these discounts, you may need to meet certain criteria, such as maintaining a good driving record, having multiple cars insured under the same policy, or bundling your car insurance with other types of insurance, like home insurance.
Case Studies: Auto Club vs Progressive Car Insurance: A Comparative Analysis
Case Study 1: John’s Auto Club Experience
John, a resident of California, was searching for car insurance that offered reliable coverage at an affordable price. He decided to give Auto Club a try based on their reputation and positive reviews. After comparing quotes and coverage options, John found that Auto Club provided him with the best value for his money.
Case Study 2: Sarah’s Progressive Car Insurance Journey
Sarah, a driver from Texas, was looking for a car insurance company that offered innovative solutions and competitive prices. She came across Progressive and was intrigued by their cutting-edge technology, such as the Snapshot program and mobile app. Sarah decided to switch to Progressive and found that their user-friendly app made it easy for her to manage her policy and save money.
Case Study 3: Mark’s Comparison of Auto Club and Progressive
Mark, a driver from Florida, wanted to make an informed decision when choosing between Auto Club and Progressive for his car insurance. He carefully compared the two companies, considering factors such as coverage options, prices, and customer reviews. After thorough research, Mark found Auto Club to have the best rates and discounts, while Progressive offered greater flexibility and innovative services.
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Claims Process With Auto Club and Progressive
Ease of Filing a Claim
Auto Club and Progressive prioritize providing convenient options for filing insurance claims, ensuring policyholders can access assistance when they need it most. Both companies offer multiple channels for filing claims, including user-friendly online portals, dedicated phone lines, and efficient mobile applications.
These accessible avenues streamline the claims reporting process, offering policyholders flexibility and ease in initiating claims.
Average Claim Processing Time
While the specific duration for processing claims may vary based on individual circumstances, Auto Club and Progressive share a commitment to resolving claims promptly. They understand the importance of swift claims resolutions in alleviating the financial burden on policyholders.
Factors such as the complexity of each claim and the completeness of documentation can influence processing times. However, both insurers emphasize timely claims handling to benefit their customers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating an insurance company’s claims process. Auto Club and Progressive have received commendations from policyholders for their effective claim resolutions and satisfactory payouts. While occasional challenges may arise in the claims process, as is common in the industry, overall customer satisfaction highlights the efficiency and success of their claims handling.
Digital and Technological Features at Auto Club and Progressive
Mobile App Features and Functionality
Both Auto Club and Progressive offer comprehensive mobile applications designed to empower policyholders in managing their insurance needs efficiently. These user-friendly apps provide access to vital features, including policy management, claims filing, and on-the-go roadside assistance. Policyholders can conveniently oversee their insurance portfolios, enhancing flexibility and accessibility.
Online Account Management Capabilities
Auto Club and Progressive provide robust online account management capabilities, enabling policyholders to proactively oversee their insurance policies with ease. These functionalities encompass personalized policy adjustments, billing and payment options, real-time policy monitoring, and informative policy details.
Both insurers prioritize user-friendly online interfaces, ensuring seamless policy management to enhance customer satisfaction.
Digital Tools and Resources
Auto Club and Progressive offer policyholders a wealth of digital tools and resources to enhance their insurance experience. These resources include educational materials, informative articles, frequently asked questions (FAQs), and interactive tools.
By providing knowledge and insights, both insurers empower customers to make informed decisions about their insurance coverage and offer valuable information on various insurance-related topics. This commitment to informative resources further enhances policyholders’ confidence and understanding of their policies.
Auto Club vs Progressive: Customer Reviews
To get a sense of how customers feel about Auto Club and Progressive, we looked at reviews on Trustpilot, a popular customer review platform. Here’s what we found:
Auto Club has a 4.3 out of 5 star rating on Trustpilot, with customers praising the company’s excellent customer service, affordable prices, and comprehensive coverage options. While Progressive has a 4.5 out of 5 star rating on Trustpilot, with customers highlighting the company’s easy-to-use mobile app, competitive prices, and helpful customer support.
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Frequently Asked Questions
Does Auto Club offer usage-based insurance like Progressive’s Snapshot program?
No, Auto Club does not currently offer a usage-based insurance program like Snapshot.
Does Progressive offer home insurance?
Yes, Progressive offers home insurance in addition to car insurance and other types of insurance.
How do I file a claim with Auto Club or Progressive?
You can file a claim with Auto Club or Progressive by calling their customer support line or using their mobile app to report the claim.
Can I get a discount on my car insurance if I bundle it with other types of insurance?
Yes, both Auto Club and Progressive offer bundling discounts if you combine your car insurance with other types of insurance, like home or renters insurance.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.