All of the insurance companies we represent provide a wide range of Auto Insurance products at great prices. Your price gets even better if you qualify for any of our available discounts. When applying for Auto Insurance in Texas or New Mexico, you're usually asked whether you want Collision and/or Comprehensive coverage, how high you want your deductible to be, what Liability limits you want and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.

What are the different types of car insurance coverage? 
Car Insurance coverages vary based on your state and individual needs, but nearly every policy contains Liability coverage. Most policies protecting a financed vehicle will also include Comprehensive and Collision coverage. Liability is required for Auto Insurance coverage in 49 states, while Comprehensive and Collision are optional coverages if your car is paid off. Uninsured/Underinsured Motorist coverage, Medical Payments, and Personal Injury Protection (PIP) may also be mandated, depending on your state. Here are the important coverage options for standard auto policies: 
 
Liability Coverage 
Liability Coverage is required in all states except New Hampshire and can pay for injuries or damages you cause while driving, up to your policy's limits. Liability coverage on your Auto Insurance policy protects you in two ways:

1. Bodily Injury Liability: Pays for someone else's medical bills if you're liable for their injuries in an auto accident.

2. Property Damage Liability: Pays for damage to someone else's vehicle and/or property if you're liable in an auto accident.
  
Example: You lose control of your vehicle and hit your neighbor who is standing in their driveway, along with their car and mailbox. Liability coverage will cover your neighbor's injuries and the cost to repair their mailbox and vehicle.  
 
Uninsured/Underinsured Insurance Coverages
There are four types of uninsured/underinsured car insurance coverage:

1. Uninsured Bodily Injury:  Covers you and your passengers, if you're injured in an accident and the at-fault driver, has no insurance.

2. Underinsured Bodily Injury: Covers you and your passengers if you're injured in an accident and the at-fault driver's coverage limits aren't high enough to pay for the injuries they caused.

3. Uninsured Motorist Property Damage: Pays to repair or replace your vehicle if you're hit by a driver with no insurance.

4. Underinsured Motorist Property Damage: Pays to repair or replace your vehicle, if you're hit by a driver without enough coverage.

Example: You're rear-ended in a car accident and the other driver has no auto insurance. We'll pay for your medical bills and lost income as a result of the incident, up to the limits of your policy, if your car is damaged, we can pay to repair or replace it, up to your policy's limits.
 
Comprehensive Coverage  
Comprehensive Coverage protects your vehicle from events out of your control, including fire, theft, vandalism, hitting an animal, glass breakage or acts of nature.
 
Example: You hit a deer and wreck your front bumper and windshield. The damage totals $2,500 and your deductible is $250. Progressive can pay the difference of $2,250. 
 
Collision Coverage
Collision Coverage protects your vehicle if you collide with another object, such as a tree, guardrail, fence or another vehicle. 

Example: Your car skids on an icy highway and plows into a guardrail, causing $5,000 in damage to your vehicle. If your deductible is $500, we'll pay you up to $4,500. 
 
Medical Payments
If you're in an accident, Medical Payments pay for medical and funeral expenses. Medical Payments can also cover your family members or passengers, regardless of fault. This type of Auto Insurance coverage also applies if you or your family members are passengers in other vehicles or hit by a car while you're walking or riding a bicycle. 
 
Example: You're in a fender bender on your lunch break, and your co-worker is injured in the passenger's seat. Your medical payments coverage on your car insurance policy will cover your co-worker's hospital bill up to your policy's limits. A deductible may apply for personal injury protection. 
 
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services and funeral expenses. It also pays for loss of income if you are injured in a car accident and are unable to work. 
 
Rental Car Reimbursement
If your car is in a covered accident, we'll pay for rental up to your policy's limits (typically between $40- $60 per day) while your vehicle is at the body shop. A covered accident doesn't include routine maintenance. 
 
Roadside Assistance 
Progressive's  Roadside Assistance pays for towing services if your car breaks down for any reason, whether you're on the road or in your driveway. We'll tow you to the nearest repair facility or the mechanic of your choice if the shop is within 15 miles. Roadside Assistance also provides lockout service, flat tire changes, fuel/fluid delivery if you run out of gas and other related issues.  
 
Loan/Lease Payoff 
If you finance or lease your car, Loan/Lease Payoff (also known as "GAP Insurance") can cover the difference between what you owe on your vehicle and what it's actually worth (up to 25% of the actual cash value). 
 
Deductible Savings Bank
You can add our Deductible Savings feature to your Auto Insurance policy, which subtracts $50 from your Collision and Comprehensive deductible for every claim-free policy period. Auto policy periods last six months.
 
Custom Parts and Equipment Value
Custom Parts and Equipment (CPE) coverage can repair or replace items that you add to your car, like a stereo, navigation system, custom wheels or even a paint job. If it wasn't installed by the original manufacturer, it's considered an after-market accessory that you'll want to insure. CPE coverage typically has a $5.000 limit.
 
DISCOUNTS
Multi-Car 
Average savings: 4% 
Save when you have more than one vehicle listed on your policy. You can add any car to your policy (belonging to a spouse, family member, or roommate), as long as it's kept primarily at your address. 
 
Multi-Policy 
Average Savings: 5% 
Save when you have two or more policies with Progressive. For instance, if you carry auto and boat insurance with us, you'll enjoy a discount on one of those policies. You can also combine Auto with a Motorcycle, Auto with RV or any other combination of Progressive products. And if you have both Auto and Home Insurance with us, you'll earn discounts on both your Home and Auto policies.  
 
Homeowner Discount 
Average Savings: Nearly 10%
You'll get another discount simply for being a homeowner, even if your home isn't insured through Progressive's network of home insurers.  
 
Continuous Insurance 
Average Savings Vary
When you switch to Progressive, we honor the time you spent with your previous insurer with a discount. The amount of the discount will vary based on how long you've been continuously insured. 

Pay in Full
Average Savings Vary 
If you pay for your policy in full upfront, you'll earn a discount. 

Automatic Payment
Average Savings Vary
If the Pay in Full option isn't right for you, we'll give you a discount for setting up automatic payments from a checking account, credit card, or debit card. (This discount cannot be combined with pay in full discounts). 

Paperless 
Average discount varies
When you opt to receive your documents via email, you'll automatically receive a discount. These savings are dependent upon signing your documents online and are in addition to our sign online discount. 

Sign Online 
Average Savings: 9%
Here's another easy discount anyone can earn. If you're comfortable signing your documents online, we're comfortable kicking in Progressive's sign online discount.
 
Good Student Discount 
Average Savings: 10%
A smart student makes you a smart shopper. Add a full-time student on your policy who maintains a "B" average or better and we'll add a Car Insurance discount.
 
Avoid Tickets and Accidents
With Progressive, safe driving = extra savings. If you've had no tickets or accidents in the past three years, your policy price could average 31% less than customers who have accidents or violations. 
 
Small Accident Forgiveness 
Starting with your first policy term, we won't raise your rate on a claim less than $500. 
 
Large Accident Forgiveness 
If you've been a Progressive customer for at least five years, remained accident-free and have had no violations in the last three years, your rate won't increase if you have an accident.