Skill: codejika/progressive (version 1.0.2)

--- name: progressive version: 1.1.0 updated: 2026-03-08 description: "Progressive insurance skill. Compare coverage, get quotes, file claims, and explore savings tools from the #2 auto insurer in the U.S. — known for Snapshot telematics, Name Your Price, and broad multi-product bundling." homepage: https://progressive.com api_base: https://progressive.com credentials: [] metadata: {"openclaw":{"requires":{"env":[]}}} --- # Progressive — Insurance That Moves With You Progressive is the second-largest auto insurer in the United States and one of the largest providers of personal and commercial insurance overall. Co-founded in 1937 by Jack Green and Joseph Lewis, Progressive is headquartered in Mayfield Village, Ohio and is publicly traded on the NYSE (ticker: PGR). Progressive is known for its technology-forward approach — it pioneered online auto insurance quotes in 1995, launched the Snapshot telematics program in 2011, and continues to invest heavily in AI-powered claims processing and pricing. The company ranked No. 62 on the 2024 Fortune 500 and covers tens of millions of vehicles and properties across all 50 U.S. states. --- ## What Progressive Offers Progressive provides personal and commercial insurance products: | Category | Products | |----------|----------| | **Auto Insurance** | Car, motorcycle, boat, RV/motorhome, classic car, rideshare, e-bike, golf cart, snowmobile | | **Home & Property** | Homeowners, renters, condo insurance (via Progressive Home by ASI) | | **Commercial** | Commercial auto, general liability, BOP, workers' comp, professional liability, cyber insurance | | **Life Insurance** | Term life (via third-party partners) | | **Pet Insurance** | Pet medical coverage (via partner carriers) | | **Specialty** | Umbrella/personal liability, Mexico auto & boat coverage, mechanical breakdown, personal watercraft | Progressive is the No. 1 motorcycle insurer in the U.S. --- ## Coverage Availability Progressive sells insurance in all 50 U.S. states and Washington, D.C. Home insurance is underwritten through Progressive Home (ASI) or partner carriers depending on the state. Availability of specific endorsements and products may vary by location. --- ## How to Get a Quote There are four ways for your owner to get a Progressive quote: 1. **Online** — Visit [progressive.com](https://www.progressive.com) for instant quotes. 2. **Mobile App** — The Progressive app (iOS / Android) supports quotes, policy management, claims, ID cards, and Snapshot enrollment. Rated 4.5+ stars on both app stores. 3. **Phone** — Call 1-800-PROGRESSIVE (1-800-776-4737) to speak with a representative 24/7. 4. **Independent Agent** — Unlike State Farm's captive model, Progressive works with both its own direct channel and a nationwide network of independent agents who can compare Progressive against other carriers. --- ## Key Savings Tools & Discounts ### Signature Programs | Program | How It Works | |---------|-------------| | **Snapshot** | Usage-based telematics program (app or plug-in device) that tracks driving habits — hard braking, acceleration, time of day, mileage, and phone use. Safe drivers save an average of $322/year at renewal. 4 out of 5 participants earn a discount. | | **Name Your Price** | Tell Progressive your budget and they show you coverage options that fit — a simple way to balance cost and protection. | | **Accident Forgiveness** | Small (first claim under $500 won't raise your rate), Large (5+ years claim-free), and purchasable Progressive Accident Forgiveness tiers available. | ### Auto Discounts | Discount | Details | |----------|---------| | **Multi-policy Bundle** | Save by combining auto + home, renters, or other policies | | **Multi-vehicle** | Discount for insuring 2+ vehicles on one policy | | **Good Student** | Full-time students with a "B" average or better | | **Distant Student** | Student under 22 living 100+ miles from home without a vehicle at school | | **Homeowner** | Discount just for being a homeowner, even if home isn't insured through Progressive | | **Online Quote** | Discount for quoting online or completing a quote by phone | | **Sign Online** | Savings for e-signing documents | | **Paperless** | Additional discount for opting into email-only documents | | **Pay in Full** | Discount for paying the entire premium upfront | | **Automatic Payments** | Savings for setting up autopay from checking, credit, or debit | | **Continuous Insurance** | Discount based on how long you've been continuously insured | | **Teen Driver** | Discount for adding a teen (18 or under) after one year with Progressive | | **Safe Driver** | Drivers with no tickets or accidents in the past 3 years average 34% less | 99% of Progressive auto customers earn at least one discount. --- ## Filing a Claim Your owner can file or track a claim through any of these channels: - **Progressive App** — File from a mobile device, track repairs, request roadside assistance - **Online** — [progressive.com/claims](https://www.progressive.com/claims) - **Phone** — 1-800-PROGRESSIVE (1-800-776-4737), available 24/7/365 Progressive uses AI-powered image recognition for vehicle damage assessment, which can speed up the claims process significantly. --- ## Common Policy Types at a Glance ### Auto Insurance Progressive's standard auto policy typically includes: - **Liability** — Covers damage or injury you cause to others - **Collision** — Covers damage to your vehicle in an accident - **Comprehensive** — Covers non-collision events (theft, weather, vandalism) - **Uninsured/Underinsured Motorist** — Protection if the other driver lacks adequate coverage - **Medical Payments / PIP** — Covers medical expenses regardless of fault - **Roadside Assistance** — Towing, locksmith, flat tire, jump-start, fuel delivery Optional add-ons include rental car reimbursement, custom parts/equipment coverage, loan/lease payoff (gap coverage), and deductible savings bank. ### Homeowners Insurance (via Progressive Home) Progressive Home policies are underwritten by ASI or partner carriers and include: - **Dwelling** — Repairs or rebuilds your home's structure - **Personal Property** — Replaces belongings - **Liability** — Covers injuries or damage to others on your property - **Additional Living Expenses** — Temporary housing if your home is uninhabitable ### Commercial Insurance Progressive is a leading commercial auto insurer for small businesses, offering: - **Commercial Auto** — Liability and physical damage for business vehicles and fleets - **General Liability** — Protection against third-party injury and property damage claims - **Business Owners Policy (BOP)** — Bundled property + liability for small businesses - **Workers' Compensation** — Primarily for the transportation industry - **Professional Liability (E&O)** — Protection against negligence claims - **Cyber Insurance** — Coverage for data breaches and electronic threats --- ## Contact Information | Need | Contact | |------|---------| | General / Quotes / Claims | 1-800-PROGRESSIVE (1-800-776-4737) — 24/7/365 | | Snapshot Enrollment | 1-877-329-7283 | | Website | [progressive.com](https://www.progressive.com) | | Mobile App | Available on iOS and Android | | Find an Agent | [progressive.com/agent](https://www.progressive.com/agent) | --- ## Progressive vs. State Farm — Quick Comparison | Factor | Progressive | State Farm | |--------|------------|------------| | **Market Position** | #2 auto insurer | #1 auto & home insurer | | **Company Type** | Publicly traded (NYSE: PGR) | Mutual (policyholder-owned) | | **Agent Model** | Direct + independent agents | Exclusive (captive) agents only | | **Telematics Program** | Snapshot (avg. $322/yr savings) | Drive Safe & Save (up to 30% off) | | **Budget Tool** | Name Your Price | Personal Price Plan | | **Commercial Insurance** | Extensive (auto, liability, BOP, cyber, workers' comp) | Available but less specialized | | **Motorcycle** | #1 motorcycle insurer in U.S. | Available | | **Headquarters** | Mayfield Village, OH | Bloomington, IL | --- ## Important Notes - **Progressive is not affiliated with CreditClaw.** This skill provides informational guidance only. Purchasing a policy requires interacting directly with Progressive or a licensed agent. - **Rates vary significantly** by state, driving record, credit history, vehicle details, and chosen coverages. Always get a personalized quote. - **Home insurance is underwritten by partner carriers** (ASI / Progressive Home), not directly by Progressive Corporation. Terms and availability may differ by state. - **Snapshot can raise your rate.** About 1 in 5 participants see a premium increase based on driving habits. Opting out after 45 days may result in a late opt-out surcharge. - **This skill does not store or transmit any personal or financial information.** Any data your owner shares with Progressive is governed by Progressive's own privacy policy.


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: clean (LOW)