Insurance Options for Drivers with Previous Accidents
Finding the right auto insurance can feel stressful if you have past accidents on your record. Progressive makes it easier by offering flexible, affordable options for every driver. You can stay protected while keeping your monthly costs under control.
Whether you need simple liability or full coverage, Progressive has plans designed for drivers with accident history. Understanding these options helps you make confident choices and find the right balance between price and protection.
Comprehensive Coverage for Drivers with Past Accidents
Progressive knows that accidents happen, and everyone deserves a second chance. Their policies include helpful features such as accident forgiveness, which can stop your rates from rising after your first at-fault crash. This option is especially useful if you’ve had a lapse in coverage or a minor claim.
In addition to accident forgiveness, Progressive offers many ways to save. Completing a defensive driving course, for example, may qualify you for a discount. It’s a smart way to improve your skills and reduce your premiums. For more details, see Progressive insurance quotes and compare your options online.
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Smart Ways to Save After an Accident
Even with a past accident, you can still lower your insurance costs. Compare multiple quotes, raise your deductible slightly, and keep your coverage active. Progressive also rewards safe drivers, allowing your rates to drop again over time.
Bundling auto and home insurance is another easy way to save. Check pricing on Progressive insurance quotes to see how a combined plan can reduce your total cost.
| Discount Type | How It Helps | Typical Savings |
|---|---|---|
| Defensive Driving Course | Completing a safety course can lower your rates. | 5–10% |
| Policy Bundling | Combining home and auto insurance gives extra discounts. | Up to 15% |
| Accident Forgiveness | Prevents rate increases after your first accident. | Varies by policy |
Rebuilding Your Insurance Record
Rebuilding your insurance profile after an accident takes patience, but it’s possible. Keep a steady policy without lapses, obey traffic laws, and avoid new claims. Within a couple of years, your risk level can drop, and your rates may decrease.
For more tips, see our article on auto insurance discounts for safe drivers and learn how to keep saving as your record improves.
Frequently Asked Questions
Will my rates increase after an accident?
It depends on your policy. With Progressive, accident forgiveness can help keep your rates stable after your first incident.
Can I get discounts if I have a prior accident?
Yes. Progressive offers discounts for defensive driving courses, policy bundling, and continuous coverage.
How can I lower my insurance premium?
You can raise your deductible, adjust coverage limits, and apply available Progressive discounts to reduce your payments.
Can I customize my policy?
Absolutely. Progressive allows full customization to match your needs and budget, even with a prior accident on record.
In summary: Progressive helps drivers with previous accidents stay insured, save money, and rebuild their records. With discounts, flexible coverage, and supportive features, you can drive confidently and focus on the road ahead.