No one wants to spend a huge amount of time shopping for their insurance policy, but inputting the correct information and comparing offers from a number of providers is key to obtaining the best car insurance quotes.

Basically, insurance shopping is all about finding applicable discounts, deciding how much coverage is actually needed, and completing the necessary information for a quote. Before starting the shopping experience, remember to have all info on hand that could affect the actual price.

What Insurance Is Needed?

The minimum amount of insurance required varies from state to state, so consumers should examine the regulations for liability coverage as well check to see whether UM or PIP is mandatory. Online quotes usually include only the minimum amount of liability required by law, but shoppers may want to include an extra layer of protection if their other monetary assets are insufficient to cover the total amount of damages claimed by an innocent party.

If there is enough money in the bank to take care of expenses not covered by liability insurance, taking out a smaller amount of protection may be satisfactory and will save on premiums.

While not required by law, collision and comprehensive insurance will be a stipulation of an auto loan agreement. This insurance may not be deemed necessary on an older model that has seen a significant decrease in value. Raising the deductible or eliminating this coverage altogether will save money, but shoppers must decide whether the odds of causing damage to the vehicle are low enough to forego the purchase of collision insurance.

For Those With Traffic Violations

If the insurance policy is about to expire, consider extending it until most or all traffic points have dropped off the driving record. A bad driving history is the biggest roadblock to good insurance rates. It is better to wait until these violations are no longer a part of the motor vehicle and driving history before beginning the search for lower premiums.

Information on the Automobile

Most of the online comparison sites will generate an initial quote that is based on the consumer’s age and residence location. A more detailed description of the vehicle and driver’s record is necessary in order to finalize the price of the insurance. Some of the insurance search engine sites will have boxes that can be checked if certain information about the car is required.

Make sure to indicate whether the vehicle has an anti-theft system, driver warning systems such as lane departure and driver alert, and navigation aids. The price for insurance will also depend on the results of crash tests. If a new car is being purchased, the cost of insuring it will be lower if it is considered to be a safe vehicle by the insurance industry.

Information on the Driver

Safe driver discounts are offered by most major providers. However, the term is relative and may not mean the same thing from one insurance company to another. Some insurance companies see homeowners as lower risk individuals, and credit scores are also taken into consideration when it comes to deciding the final cost of premiums. If this information is asked for, it should be included when filling out the online form.

Driving Information Programs

For those wanting to receive a discount with their current provider, real-time driving information technology is available. It is a good idea to ask whether the current provider has such a program. A device installed in the vehicle monitors the speed, braking habits, and miles driven.

Some companies offer this service when switching insurance coverage. After six months, information on driving habits is examined and a lower rate may be quoted for renewal of the policy.

Finding affordable liability and collision insurance for teens can be hard to come by, but parents have some tools available to them for keeping insurance costs for their son or daughter as low as possible.

Why Is Auto Insurance for Teens So Expensive?

Operating a motor vehicle is not a right. It is a privilege given to those who have demonstrated knowledge about the workings of the car, the rules of the road, and the responsibility required when seated behind the wheel.

Likewise, auto insurance rates are determined by the risk of the person being covered. It is a fact that more experienced drivers of vehicles are less likely to become involved in a serious accident, regardless of who is as fault. Younger drivers do not have this experience under their belt and therefore must be considered high risk.

Statistics clearly show that the age group of 16-21 poses the greatest threat to pedestrians, other drivers, and themselves. While it is true that some teenage drivers are more mature than others and take a greater measure of responsibility when operating a car, insurance companies have very little to go on in terms of dividing these individuals from the rest of the pack.

What the Statistics Show

Learning to drive a car as a teenager is often seen as a stepping-stone between childhood and adult status. Most teens regard the obtaining of a driver’s license as one of their most prized possessions. The idea is to get the license and then have some fun driving, forgetting what was learned along the way and focusing instead on the reward.

Unfortunately for many teens, the actual reward may be a badly damaged vehicle, a very serious injury, or even worse. Both male and female teenagers tend to be aggressive in their driving habits, and they pay far too little attention to things such as road conditions and the actions of other motorists.

Accident statistics clearly show a direct relationship between accident frequency and age. The most common accidents involving teenage drivers result from speeding, improper lane changes, illegal turn maneuvers, and inattention to traffic movement.

Some Tips For Parents

Insurance providers are more than willing to give parents a break on their son or daughter’s auto insurance rates. However, the teen driver must show some measure of responsibility. This can be difficult for the insurance company to recognize.

First of all, parents will save some money if they add their teen to an existing policy. This is true regardless of whether the car being driven belongs to the youngster or the parent. It should be noted that insurance on a car that is driven only by the teenager will be more expensive, however.

Secondly, parents should consult with their insurance agent and find out what it will cost to add a teenager to the policy. After obtaining this information, scouring the Internet and comparing rates for comparable coverage is a good idea. Sometimes, adding a teen driver is cause for switching providers.

Thirdly, consider what the insurance company is looking for when determining rates for teen drivers. Some providers will reward the family with lower rates if the student excels academically, has been accepted into college, or has completed a defensive driver education course. It is always a good idea for the youth to take a driving course in high school to learn solid defensive driving habits.

In conclusion, finding affordable auto insurance for teens, doesn’t have to a burden. By taking steps early on to be a safe, responsible driver can pay off with many rewards in the long run.

Discussion with parents is essential when trying to balance a college budget. Since parents are already familiar with the problems associated with finding affordable insurance coverage, learning about the different ways in which car insurance premiums can be kept to a minimum is best accomplished by making a list and reviewing it with family and insurance representative.

1. Stay on The Parents’ Policy

Most likely, teenagers heading off to college are already being covered on their parents’ insurance policy. This is far cheaper than purchasing separate coverage for the youth, regardless of who owns the car being used by the student. If the parent has a good driving record and a long history of coverage with the same provider, adding a college student may result in only a 15-20 percent increase in monthly premiums.

This allows the student to pay the parent a small amount each and every month rather than pay a much larger premium directly to the provider. Talking with the family’s insurance company is the best course of action when adding a teen driver to the policy.

2. Rewards For Academic Excellence

Before graduating high school, parents and their teens should check with the current provider concerning discounts for students heading to college. Many insurance companies offer a small discount if the student has been accepted into a major university, tech school, or community college. Insurance companies assume that a student with good grades is showing a measure of responsibility and is more likely to be a careful driver.

3. Complete a Defensive Driving Course

These courses are often available at the student’s high school. If not, students can complete the driver education class in person or online. The cost is minimal and the insurance company will likely take the certificate of completion seriously.

The discount for students having completed a defensive driving course can be substantial, but this price cut us not offered by all providers. Some comparison shopping may be necessary for families seeking the best prices on student insurance, especially for those who have a certificate of completion in hand.

4. Drive an Affordable, Safe Vehicle

Every college student dreams of arriving on campus in a shiny sports car. This dream is popped when the insurance rates are considered. A vehicle that is valued at less than $15,000 and has passed the crash tests with flying colors is the prudent option for those wishing to lower the insurance costs for college students.

This vehicle should also be covered on the parents’ insurance policy. It is always less expensive to add a vehicle to an existing policy than to insure it separately, especially if the student is still considered a dependent and is living at home part-time.

5. Build Good Credit

High school and college students have several methods for building a good credit history. Individuals heading off to college should talk with their parents about opening a small line of credit or taking out a personal loan with a low interest rate. If a new or used car is in the student’s name, making timely payments on the loan will result in a favorable credit score.

Good credit is essential because most insurance providers are now using this as a primary factor in determining risk category. Many banks offer low-cost credit cards and student loans to individuals having been accepted into college. This is the perfect way to start building a favorable credit history and prepare yourself for even lower rates as you reach age 25.

At DiscountCarInsuranceQuotes.net, we aim to make understanding auto insurance simpler for our customers. We strive to be your auto insurance resource. Check out our questions and answers page to read frequently asked questions and learn tips to help you get the coverage you need and obtain savings at the same time!

Mandatory Auto Insurance Coverage

Every state has some sort of law requiring drivers to carry a minimum amount of insurance protection before operating a motor vehicle. Liability insurance covers a driver who is deemed at-fault in an accident. A driver is responsible for all property damage and personal injury he or she causes.

Rates for liability insurance will vary from state to state. The minimum amount of protection required by law also varies, with most states mandating at least $25,000 or more in coverage for both property damage and personal injury to non-fault individuals. Other coverage types that may be required by state law also determine the amount one pays in premiums.

How Rates Are Figured

Insurance companies rely on the statistics gathered by actuaries. The type of car being insured is a major factor when determining insurance rates. The result of crash tests performed by the IIHS show how well a driver is protected in the event of a crash.

Age of the driver and the location where he or she lives is also important to the insurance companies. Some areas have a high frequency of stolen vehicles, and other neighborhoods may a higher than normal accident rate because of the traffic patterns. Some drivers are more responsible than others, and insurance companies will offer more attractive rates to those who have few or no accidents.

Understanding The Policy

An auto insurance policy will have separate tables that show how much protection is being purchased. The liability portion of the policy will include the dollar amount of coverage for both personal injuries and property damage sustained by innocent parties. The comprehensive and collision coverage portion will show how much the insurance company will pay for damage to a vehicle owned by the policyholder.

The policy will include a payment schedule agreed upon by the insurance provider and the consumer. Most insurance companies have flexible payment plans that include a discount when a large portion of the payment is made at the time the policy is activated.

An automobile insurance policy is not a legal binding contract, in the sense that insureds can cancel their policy during the term period and insurers may drop their insureds. However, if an accident occurs during the period of coverage, the insured is responsible to evaluate all claims filed.

Shopping For Affordable Coverage

One of the easiest ways to compare insurance prices is to go online and use the services of a comparison site. The basic information given is used to generate quotes from several different providers. The shopper can view the details of the policy, make changes to the amount of liability and collision insurance, and choose optional coverage types such as uninsured motorist protection and personal injury protection.

A final quote is not given until additional information is given directly to the provider or insurance agent. Factors that could alter the final dollar amount include any lapses in coverage, an accident that was not reported, or detailed information about optional equipment installed on the vehicle.

Below is a list of the seven largest car insurance providers in the nation, with information about market share percentage and a few facts about the respective companies. This data is from A.M. Best.

1. State Farm Group

In operation since 1922, State Farm ranks first in the nation with a market share percentage of 18.07. The company is headquartered in Bloomington, Illinois, and has recently expanded its operations to include banking and mutual funds. State Farm is noted for its low insurance premiums offered to long-term customers.

In 2011, State Farm wrote more than 30 million auto insurance policies. Its famous advertising jingle “Like a good neighbor, State Farm is there” was written in 1971 by the American artist Barry Manilow.

2. Allstate Insurance Group

Allstate is named after a brand of tires sold by Sears in the 1920s and 1930s. The company was the brainchild of an insurance broker who wanted to sell insurance by direct mail. The company name and business proposal was approved by Sears, and insurance was sold both through the mail and the Sears catalog.

Today, Allstate has a market share percentage of 10.48, has diversified into retirement and investment products, and is a major sponsor of sporting events such as the Sugar Bowl and NASCAR. The company is headquartered in Northfield Township, Illinois.

3. Berkshire Hathaway Insurance Group

Although ranking third among auto insurers in the nation with a market share percentage of 9.22, Berkshire Hathaway is not exactly a household name for many Americans. The company is headquartered in Omaha, NE, and is more recognizable as the owner of the company name of its largest insurers – GEICO.

Aside from being one of the largest auto insurers in the nation, Berkshire Hathaway also specializes in diversified investments, property and casualty insurance, and banking. The auto insurance policies sold by GEICO make up the largest single portion of the company’s earnings.

4. Progressive Insurance Group

Progressive Insurance is a leader in online insurance sales, one of the first companies to introduce the comparison shopping aspect of the industry. As of the beginning of 2012, Progressive had a market share percentage of 8.06. Headquartered in Mayfield Village, Ohio, Progressive Insurance reported more than $15 billion in revenue for 2011.

5. Farmers Insurance Group

With a market share percentage of 5.99, Farmers Insurance Group has maintained a steady following of customers for decades. Headquartered in Los Angeles, California, Farmers offers not only car insurance but also coverage for recreational vehicles, boats, and heavy equipment. The company also has a subsidiary that specializes in life and health coverage.

6. USAA Group

The USAA Group is headquartered in San Antonio, Texas. The company has a market share percentage of 4.63, which is interesting in that the company exclusively targets active and retired military members and their families. The company’s insurance sales are usually conducted over the phone or by Internet, without the use of independent or company agents.

7. Liberty Mutual Insurance Companies

This company is based in Boston, Massachusetts and offers auto, life, health, corporate, disability, and homeowner’s insurance. he company currently has over $110 billion in consolidated assets, has a market share percentage of 4.61, and recently acquired Safeco Insurance.

Consumers are encouraged to check out an insurance company by looking at statistics available from the insurance department in the state of residence. Online resources include A.M. Best, Standard & Poor’s, and numerous consumer review sites.

Below are 10 reasons to compare auto insurance quotes online:

1. Online Quotes Are Free.

Websites charge no fees for generating car insurance quotes. Whether it is directly with the company or with an affiliate website or online broker, online quote comparison sites are free to use.

2. The Customer Saves Time.

Online quotes are preliminary in terms of what the final price will be. However, the quote itself takes only seconds to generate after the customer has entered the required information. Most online comparison sites will offer quotes from several different providers, saving the insurance shopper even more time and receive more information.

3. Compare Company Rates.

With an online comparison, shoppers will be able to check the rates and see if the prices among companies reflect the same amount of coverage. Quotes are available for drivers in all 50 states and the District of Columbia. This helps give the customer a feel for the prevailing insurance rates in his or her state.

4. Shop 24/7.

Online insurance shopping websites are available for use at all hours of the day or night. The system is automatic and does not take time off on the weekends or for holidays. This makes it easy for the consumer to schedule time to examine the quotes, all of which are updated in real time.

5. Eliminate Telephone Hold Time.

Nothing is more annoying or frustrating than hearing the familiar recording that assures customers that their business is very important. If it is so important, why must customers remain on hold for several minutes to get a quote? Online insurance shopping eliminates this problem entirely because quotes are generated automatically and are viewable within seconds.

6. No Appointment Necessary.

An insurance agent may wish to schedule an appointment time that is inconvenient for the customer. Online comparison sites are able to handle a huge amount of incoming traffic simultaneously, thanks to the advanced serving systems that handle the data exchange. The customer completes his or her business within minutes and never has to leave home.

7. Save Gas – No Commuting.

All those little trips to the store, dentist, laundromat and gymnasium begin to put a strain on the gasoline budget. Shopping for insurance online allows the customer to stay at home and sip a refreshing beverage while viewing quotes. Besides, the insurance agent’s office may be many miles away.

8. Required Insurance Minimums Automatically Figured.

Each state has its own laws regarding minimum levels of insurance, particularly liability coverage. Customer will enter the zip code where they reside when using an online comparison site. The quotes generated will reflect the minimum amount of coverage required, and customers then have the option of selecting a higher amount if they desire.

10. Comparison Sites Offer Rate Savings.

The most important feature of the online comparison sites is the customer’s ability to look closely at the quotes given and compare the coverage provisions. Insurance shoppers can adjust the amount of the collision coverage deductible and choose levels of optional protection such as PIP and uninsured motorist protection. The quote system can also help the driver identify policy discounts. Within several minutes, customers can locate the most affordable rate on the package that best suits their needs.

Insurance companies today tend to reward military personnel and their families. This is not only a nice gesture on the part of the insurance provider toward those who serve and protect, it is now seen as a reasonable gamble on the part of the industry. Insurance providers also know that the image they project is not lost on critics and industry analysts.

Lower Insurance Risk

Individuals serving in the military undergo extensive training that generally results in a more rapid maturity so far as responsibility is concerned. This means that enlisted personnel usually have a lower accident rate, avoid reckless driving, and take better care of their finances. These men and women are also more apt to purchase a safer vehicle.

Even younger adults who are members of the armed forces are usually offered lower than average rates by insurance providers. Drivers under the age of 25 are usually lumped together as one high-risk group, but enlisted men and women are now being excluded from their peers.

Discounts For Emergency Deployment

Many insurance companies now have a special provision written into the policy that lowers the cost of insurance should the individual be deployed overseas. As long as the vehicle is stored in an approved location, rates can be dropped or even suspended until the policyholder returns. Some insurance companies provide this service only if the deployment is to an area considered dangerous or if the individual is expected to become involved in combat.

This special discount may also apply to those who are members of military associations of the Army Reserve. Those who serve continuously as a member of the reserve force may be able to purchase required insurance for a lower rate.

Covering Spouse and Dependents

Military personnel are encouraged to shop around for insurance discounts that apply to their family. Coverage discounts may extend to all members of the household and on all vehicles driven.

Veterans are also eligible for many of the special military discounts that cover all members of the household. When comparing insurance rates, shoppers are encouraged to look for any discounts that apply specifically for veterans and their dependents.

A Few Helpful Tips

Those who are about to be deployed are urged to contact their provider and make sure the facts are clear concerning continued coverage. If a lapse in coverage results from deployment and non-payment, military personnel should look at changing their provider.

Make sure that the provider will cover the spouse and family during deployment. The policy should allow for the discount to continue for these household members even if one of the adults has been called into active duty elsewhere and has to temporarily relocate.

Comparison-shopping to find the best military discount is still up to the individual. The armed forces branch may be able to assist with suggestions but the vehicle owner makes the final decision. Military members may want to consider insuring with USAA, which specialize in insuring and providing financial services only military members, veterans, and their families.

Most insurers that offer military discounts spell out the percentage clearly, making it easy to choose the policy that fills the needs of the driver while saving the greatest amount of money. An comparison quote for military discount auto insurance will put enlisted personnel in touch with several major brands in their state.

Drivers who are forced to file an unusually high number of claims – regardless of fault – will be charged more for car insurance. Likewise, those who demonstrate a lack of financial responsibility, reside in a high-risk neighborhood, or drive a car that is considered relatively dangerous will also be asked to pay more each and every month.

Auto insurance for high risk drivers may be tougher to come by and drivers in this category will have to do more comparison shopping in order to find the best rates.

Categories of High Risk

Insurance providers look at a number of factors that contribute to the elevated possibility of filing an insurance claim. The first category of high risk involves the past history of the insured. Driving history is considered the most accurate barometer for measuring the likelihood of a future insurance claim.

Insurance companies will look at:

• Number of motor vehicle points
• Number of claims filed
• Lack of driving experience
• Lapses in coverage
• Neighborhood of residence

Those who file an unusually high number of auto insurance claims generally have an accumulation of minor infractions on their record. Those who cause numerous accidents also tend to be involved in a greater number of incidents where the fault actually lies with someone else. Younger drivers are high-risk because of their lack of experience and higher accident rates.

A lapse in coverage may also result in higher premiums because the insurance company will be inclined to believe the driver may switch companies more often than the national average and is more risky. Vehicle owners who live in a dangerous neighborhood are generally charged more for comprehensive insurance coverage.

Shopping For Affordable Rates

Drivers in a higher risk category may have to compare the offers made by a large number of providers before the lowest rates can be found. And they will need to scour for discounts.

Drivers with a less than stellar motor vehicle history may have to search for a provider that specializes in higher risk individuals. Some companies specialize in insuring high risk drivers while some larger companies operate under different company names to accommodate different driver risk categories.

License Suspensions and DUI

Drivers who have had their license suspended or have been convicted of driving under the influence will have the hardest time finding affordable coverage. We have a prior post on auto insurance after a DUI.

In the case of a DUI, the court will order the defendant to obtain coverage immediately after driving privileges are reinstated. Because liability insurance is mandatory in nearly every jurisdiction, state governments are likewise required to assist those who may be turned down by most insurance providers.

Every state has an insurance commission that provides resources for those who cannot secure required insurance. Special auto insurance providers will offer coverage but the rates will be quite high.

An insurance company will only pay up to the market value of the automobile should a serious accident occur. Older cars are often considered totaled even if they sustain just moderate body damage. Owners of these older cars can use the following tips to tips to make sure proper coverage is maintained at the lowest possible cost.

1. Raise the Deductible Amount

The deductible is the amount paid by the vehicle owner before a damage claim can be honored. The lower the deductible, the higher the monthly insurance premiums. Once a vehicle reaches a certain age, consider raising the deductible to $1,000.

The older car has a rapidly diminishing market value. This means that in the event of a serious accident, insurance adjustors will likely consider the vehicle a total loss. The settlement will only amount to the decreased value of the car.

The money saved each month by raising the deductible amount will nearly always be enough to pay for minor damages. This eliminates the fear of having a high deductible in the first place.

2. Drop the Collision Insurance

Once a car’s value is decreased to the point to which an insurance company will likely refuse to pay for extensive repairs, consider dropping the collision and comprehensive insurance altogether. This saves a tremendous amount of money since liability coverage will be all that remains on the policy. Collision insurance payouts to cover damage would be rather small if there is a deductible on the policy.

Drivers can save money by dropping the collision coverage and using the money to pay for minor repairs themselves. If the damage is extensive, insurance companies will insist on towing away the vehicle, taking possession of the title, and offering a modest settlement. This settlement may be very small once the deductible amount is subtracted, so drivers should carefully consider the savings each month when collision and comprehensive insurance on an older model is dropped entirely.

3. Pay For Minimal Repairs

Although older vehicles cost less to insure, this cost increases if a substantial number of claims are filed. Most insurance companies will begin to raise rates if the vehicle owner files several claims within a two- or three-year period. Claims for damage to windows, bumpers and headlights cost more in the end because of the increase in premiums.

The money saved by choosing a higher deductible or dropping collision insurance on an older vehicle should be considered an investment in maintaining the car itself. Drivers who are prone to accidents will save money by paying for any damage that costs less than $500 to repair.

4. Consider Partial Policies

Many people own older cars that are driven less than 300-500 miles per month. If the vehicle owner has a good driving record and has maintained coverage with an insurance provider for years, chances are a partial policy will be offered at a greatly reduced cost.

Insurance companies will often write a special policy that covers a vehicle up to a certain number of miles per month, and no additional drivers may be added. The insurance company may insist that this policy be combined with full coverage on another, newer vehicle owned by the household.

5. Situations Involving Antique and Classic Cars

Classic cars that are more than 20 years old may actually be more valuable than when they were new. These cars are often driven less than a few miles per month. Owners of antique models may periodically transport them via trailer to an auto show or exhibition.

A normal insurance policy may not be worth the cost involved. Instead, these cars can be insured with a policy similar to a part-time coverage plan. The classic vehicle is covered against damage caused during transport or by natural causes such as fire or flood, and the monthly cost is generally much less than a full package that includes collision protection.

This program involves the plugging in of a monitoring device that records the actual driving habits of the individual. The company uses the information gathered to assess the overall driving technique employed by the vehicle operator. Those who demonstrate safe driving habits may be offered a lower premium on their automobile insurance.

How The System Works

Drivers need not have current insurance with Progressive in order to test drive the system. The plug-in device is easy to install and is connected directly with the vehicle’s diagnostic software. Drivers are allowed a 30-day test program at no extra charge, during which the data is uploaded to the Progressive Insurance website for analysis.

The system will note the speed of the vehicle in real-time. The brake force applied by the driver is also carefully measured. The daily mileage is recorded and used to determine the risk factor associated with time spent on the roadways.

The time of day in which the car is in motion is also important to the insurance company. Statistics show that more claims are filed for accidents occurring during the nighttime hours. Those who drive less and operate their vehicle during the day are more likely to receive an offer of lower insurance rates.

Safe Drivers Are Not Penalized

A great number of safe drivers live in neighborhoods considered dangerous by the insurance companies. Certain zip codes are known to have a higher number of car break-ins, accidents at intersections, and speeding incidents. The idea behind the Snapshot program is to help those drivers who live in these neighborhoods but who do not contribute to the accident statistics.

Progressive Insurance states that drivers who use the Snapshot program will not be penalized if they fail to qualify for a discount. The information is not shared to third parties unless it is needed as evidence by law enforcement or the legal system.

Offering Driver Discounts

Drivers who use the program for one month will be able to go online and check the statistics themselves. After the trial period has concluded, Progressive will use the data to construct an insurance package. The quote is free, and drivers are under no obligation to sign up for insurance coverage with Progressive.

Obviously, drivers who are currently maintaining coverage with another provider are being nudged toward Progressive with the Snapshot program. Some may see this as an advertising gimmick. The savings may be as high as 25 percent, however.

The headline promotion of the Snapshot program is the touting of immediate savings. Many competing programs require the driver to complete a program lasting as long as six months and have current coverage with the company offering the discount. This means that savings are not realized until the policy is up for renewal.

Are You Eligible for Savings?

The Snapshot program is different in that a new quote is generated after just 30 days. Whether the driver will actually save money is determined by what coverage he or she currently has, the data gathered by the system, and the past driving history of the individual.

The Snapshot program involves no monetary commitment on the part of the vehicle owner, nor does the system cost anything to use. Vehicle owners are encouraged to inquire with Progressive whether the program is available in the area where they reside.