Progressive Insurance (2024)

Protect your new car from breakdowns for as low as $12 per month

What is a vehicle protection plan?

More than your typical car insurance policy or extended warranty, a vehicle protection plan steps in to cover those car repairs that seem to pop up after your car warranty expires. Progressive Vehicle Protection adds system repair coverage to your auto policy, so you don't have to buy an extended warranty or pay when a system in your new car breaks.

With the Progressive Vehicle Protection plan, you get:

• Coverage for major system issues not typically covered by car insurance
• Baked-in coverage for minor dents and dings and lost, stolen, or damaged keys — perks often not included in vehicle warranties
• A rate as low as $12 per month with the option to renew every six months (compared to paying thousands of dollars per year for an extended warranty)

What does a vehicle protection plan cover?

As a new auto insurance coverage, Progressive's vehicle protection plan covers what car insurance typically doesn't: system failures once your manufacturer's warranty has expired, minor dents and dings, and keys that need to be fixed or replaced. Our vehicle protection plan makes it possible for you to be covered for these non-accident issues, all through your auto insurance policy:

• Engine failure
• Transmission/drivetrain issues
• Electronic system and component errors
• AC/heating malfunction
• Other system issues
• Surface dings and dents
• Stolen, lost, or damaged keys/fobs

What's the difference between vehicle protection and an extended car warranty?

The main differences between Progressive's vehicle protection plan and an extended car warranty are:

• Vehicle protection is offered as a car insurance coverage for newer cars
• Extended car warranties are offered by car dealers and manufacturers when you buy a car, and by third parties for a period after you buy a car

Both can cover major system and part failures within a certain period, but here are some other key differences between vehicle protection and an extended car warranty:

Progressive Vehicle Protection vs. Mechanical Breakdown Insurance

Progressive offers two products that could be considered mechanical breakdown insurance: Progressive Vehicle Protection, and Mechanical Breakdown Insurance through Good Sam. Progressive Vehicle Protection is designed for newer cars and trucks. If you have an RV, or if you have a car that's over the Progressive Vehicle Protection initial age limit, you might be interested in Progressive's Mechanical Breakdown Insurance (MBI) through Good Sam.^†

To help you decide which is right for you, here are some key differences between Progressive Vehicle Protection and Good Sam's Mechanical Breakdown Insurance:

Is Progressive Vehicle Protection worth it?

It costs hundreds and even thousands of dollars to repair the major systems in your car. Even small scratches and dents can be expensive to repair professionally. For as little as $12 per month, Progressive Vehicle Protection can be worth it to protect your wallet while keeping your vehicle functioning and looking like a new car.

Frequently asked questions about Progressive Vehicle Protection

• To get a vehicle protection plan, you'll need to:

  • Have a newer car or truck that's insured for its actual value and isn't used commercially
  • Live in a state where the product is available^††
  • Have the car covered with liability, comprehensive, collision, rental car, and roadside assistance with trip interruption coverages on your auto insurance policy

  See Also

  4 Best Extended Car Warranties of 2024How To Sell Extended Warranties On CarsBest Extended Car Warranty Companies: 2024 GuideBest Extended Car Warranty, Reviewed (2024 Ratings)

• You can cancel your vehicle protection coverage anytime, or you can renew it every six months until the car is eight years old. If you have auto-pay setup, you can set your coverage to automatically renew when it's time.

• Vehicle protection plans don't cover routine maintenance. You'll need to pay for maintenance like oil changes, tire rotations, and other regular services.

  Vehicle protection plans also don't cover accident-related damage that would fall under collision, comprehensive, liability, roadside assistance with trip interruption, or rental car coverage. This shouldn't cause a gap in coverage since Progressive Vehicle Protection requires you to carry those coverages as well.

• When you quote car insurance with Progressive, select the required coverages and you'll see Progressive Vehicle Protection as an option if you qualify. If you're a current customer, log in to your policy online or call 1-855-347-3939 to find out if you qualify.