How to drive on your car insurance: What to know before you go ahead
Progressive auto insurance company Progressive plans to cover all of its drivers, and that includes their pets, in the form of “pet insurance.”
But when it comes to insurance coverage, the coverage doesn’t start with the driver, it starts with the vehicle.
Progressive has said it will cover up to three pets in the car, and the policy does not cover the driver.
This is important because it means that the driver is covered for all the costs of their pets when they get in the vehicle, but not when they go out.
Progressive also says that if you own a pet and the driver needs your assistance, they will take the vehicle into their own care, but it will not pay for the expenses of that care.
So when it is your pet that is in the backseat, you may not see a premium increase.
What about the deductible?
Progressive says it will deduct the cost of a new vehicle from the policy, but there are some caveats.
The deductible will only be deducted if your vehicle is used for more than 90 days in a year, and there are limits on the total amount you can deduct, but if you are driving a vehicle for less than 90 consecutive days, the deductible will be reduced by 10%.
For example, if you were driving a car for 90 days, but the car was used for only 40 days, you would be able to deduct 10% of the vehicle’s total costs, so your deductible would be $25.
If your vehicle was used in more than 100 days, however, the deductibles will be doubled.
For example if you drove a vehicle used for 80 days, and your vehicle had a deductible of $75, but your vehicle used in 90 days would have a deductible, you’d be able hit a deductible up to $125.
How will Progressive cover a collision?
The policy also has an auto accident coverage program, but that is only available for owners of certain vehicles, such as a pickup truck.
The policy will cover a $100 deductible for a collision of 50,000 pounds or more, and a $200 deductible for collisions of over 50,0000 pounds.
But because the deductible is only $25 per vehicle, it’s not as expensive as a collision deductible.
The company has also been testing an all-in-one coverage for pets, and it’s expected to launch a commercial version soon.
Progressive said that if it gets a good number of customers, it will be able expand to cover pets in any size.
What does the policy cover?
Progressive plans for coverage that includes the driver and their pets include all of the following: $5,000 coverage for any damages to the driver’s vehicle