what progressive coverage do i need for car reddit

Scrolling through Reddit for car insurance advice can feel like falling down a rabbit hole. You see countless posts asking for help, and one of the most common questions is about choosing the right protection. It’s a big decision, and you want to make sure you’re properly covered without paying for things you don’t need.

If you’ve found yourself typing what progressive coverage do i need for car reddit into the search bar, you’re in the right place. Let’s break down the key coverages to help you build a policy that makes sense for your situation.

Breaking Down the Essential Coverages

First, you have the coverages that are often required by law. Liability insurance is the most critical. It has two parts: Bodily Injury (for injuries you cause to others) and Property Damage (for damage you cause to someone else’s car or property). State minimums are often low, so it’s wise to get more than the bare minimum to protect your finances.

Then there’s Uninsured/Underinsured Motorist (UM/UIM) coverage. This protects you if you’re in an accident with a driver who has no insurance or not enough to cover your bills. It’s a small price for a lot of peace of mind.

Protecting Your Own Vehicle

If you’re still making payments on your car, your lender will require you to carry both Collision and Comprehensive coverage. Collision pays for damage from an accident with another car or object. Comprehensive covers things like theft, vandalism, fire, or hitting an animal. If your car is paid off and older, you might consider dropping these to save money, but you’ll be responsible for repairs.

Answering ‘what progressive coverage do i need for car reddit’

Beyond the basics, Progressive offers several helpful add-ons. Medical Payments or Personal Injury Protection (PIP) can help with your medical expenses regardless of who is at fault. Rental Reimbursement is a lifesaver if your car is in the shop, covering the cost of a temporary rental car. Don’t forget about Roadside Assistance for towing, jump-starts, or lockouts.

Tips for Customizing Your Policy

The best policy is one tailored to you. Consider your car’s value, your driving habits, and your financial comfort level. A higher deductible can lower your premium, but make sure it’s an amount you could afford to pay out-of-pocket if needed. Using tools like Progressive’s Snapshot® can also potentially lead to savings for safe driving.

Ultimately, the right coverage balances solid protection with a premium that fits your budget. By focusing on the essentials and adding smart extras, you can drive with confidence.