This blog post is not so much about frequently asked questions regarding Progressive car insurance, as it is information, from someone with a lot of experience selling auto insurance, about Progressive insurance, which can help you shop your auto insurance and get the best price Progressive can offer you.

For example, you can get a different price from Progressive, depending how you get a quote, and how you buy your policy. How would you feel if you buy Progressive insurance, then later find out you could have paid a lot less for the same Progressive auto insurance coverage?

Read this blog post and find out how to get the best price from Progressive. Smart car insurance shoppers know you really can save hundreds of dollars by getting price quotes from ALL the leading insurance companies each year. But you also need to know HOW to shop, to make sure each insurance company is quoting you their lowest auto insurance rates.

It would be great if auto insurance was like shopping for other items, where you could find one or two stores, like Walmart, which have the lowest prices for the items you need.

Unlike buying a big screen TV, where everyone can pay the same price from the same store, auto insurance rates vary person to person, based on your individual risk profile — your age, sex, marital status, insurance history, driving record, etc., it is impossible for anyone to tell you which insurance companies will have the best prices for you, without you checking the rates of all the leading insurance companies.

The car insurance company with the best rates for me, may have the highest rates for you, and you may be paying double what you could be paying with the car insurance company having the best rates for you.

If you move to another zip code, another insurance company may now have the best rate for you. A year from now, another insurance company may have lower rates for you, saving you a lot of money.

This is why I say to shop with all the leading insurance companies each year, to find the best rates for you, and make sure you don’t over pay for your insurance.

I don’t want to mislead you by telling you the insurance company with the best rates for me, because rather than shopping the market to find the best price, you may be tempted to contact only the one insurance company I say has good rates.

What does this have to do with Progressive? I don’t want you to forget how important it is to shop for the best car insurance rates, when I tell you Progressive insurance is very good at often having low auto insurance rates for many people.

When I first started in the insurance industry in 1990, Progressive insurance was a fairly small insurance company, selling nonstandard auto insurance through independent insurance to customers having a hard time getting car insurance, due to being recently licensed, no insurance history, driving record, or other factors.

Progressive went from a relatively small car insurance company, to the 4th largest US auto insurer in 2010, behind State Farm, Allstate, & Geico.

Progressive now sells insurance to almost all drivers — preferred, standard, or nonstandard risk, and has fueled most of its growth by extensive advertising, selling direct from the company, and competitive pricing.

A lot of consumers think Progressive is cheaper, because if you buy directly from the insurance company, Progressive does not have to pay an agent commission. But an agent’s commission is only one of many marketing expenses for an insurance company, and not having to pay a commission does not mean overall marketing expenses are less.

However, Progressive seems to know many customers buy on price alone, and Progressive is very good at offering a good price and still being profitable.

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The price you are quoted will vary, not only whether you were quoted directly by Progressive or through an agent, but the price may vary from agent to agent.

Insurance companies have to charge the same rates they have filed with your state’s department of insurance to all customers meeting the same risk profile, so how can Progressive charge different rates for the same insurance?

Progressive can do this because Progressive is not one single auto insurance company, but an umbrella organization with MANY auto insurance subsidiaries. Each auto insurance subsidiary company has its own pricing.

Almost all insurance companies have subsidiary insurance companies. They do this to operate in certain states or regions, or for a particular market segment, such as people with preferred, standard, or high risk profiles, or for other marketing purposes.

If you go to my website, and read my Progressive Insurance Reviews, you will see Progressive has more insurance subsidiary companies than almost any of the other auto insurance companies I review.

Not all of these Progressive subsidiary insurance companies are available to all drivers in all states, but any auto insurance shopper will most likely be able to buy car insurance from several Progressive auto insurance subsidiary companies.

How do you find the cheapest Progressive auto insurance company subsidiary for you? Most likely, buying direct from Progressive will be the lowest price for you. There may be an additional discount if you buy online.

Buying direct might be the obvious way to get the lowest price, since the customer thinks they are cutting out the middle man. In my experience, independent agents selling Progressive have slightly higher rates.

However, one of the the reasons for having different car insurance subsidiaries, is to offer a subsidiary for special marketing purposes, sometimes with discounted rates, to large agencies selling a lot of auto insurance. This most likely won’t be your local independent insurance agency, but it could be a large national agency selling by phone or through the Internet, or another large organization with a special marketing relationship with Progressive.

How should you shop with Progressive? Start by getting an insurance quote through their website.

But also shop with large Independent insurance agencies on the Internet. These agencies will shop your rates with a few insurance companies, and they will let you know which one may have the best price for you. It could be their best price for you is with Progressive, at a rate lower than the Progressive rate quoted to you through the Progressive website. Or, maybe another insurance company will have the best price for you.

Selling auto insurance for a company other than Progressive, I sometimes found Progressive’s rate was hundreds of dollars less than I could offer. But sometimes, I could offer a MUCH better price than Progressive, even though the insurance company I worked for paid an agent commission.

It pays to shop with all the leading insurance companies, and if getting a low price is important to you,  don’t miss out on what Progressive may be able to offer you.

What do you think of Progressive insurance? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.