Progressive Insurance is one of the largest insurance providers in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and sometimes also provide home insurance.
The difference between your insurance policy payment due date and the time you pay it is known as an insurance lapse. Insurance lapses are very common in the United States.
Whenever you discover that you will be unable to pay your car insurance on time, you should plan ahead. If you fail to do so, you risk paying late fees or worse still having your entire policy cancelled.
Almost all states in the United States require auto insurance by law so driving around without insurance coverage is not a good idea. Though the cancellation grace period is also usually determined by state laws, Progressive Insurance reserves the right to cancel your policy after the grace period has ended.
Whenever you have an insurance policy lapse, the key thing is to pay as soon as possible. If it happens that the policy is cancelled, then you need to get it reinstated immediately.
You should know that your Progressive Insurance policy will not be cancelled immediately due to a late payment. The company is also required by state law to give you fair notice before cancelling your policy.
As stated earlier, the grace period will be determined by the particular state and it is usually between 10 and 20 days. They will typically send you a letter or an email apprising you of the situation.
Whenever you have an insurance lapse, there are serious consequences. The legal action that can be taken against you for driving without a license can have dire consequences.
You may also get your license suspended if the Department of Motor Vehicles in your state is notified by Progressive insurance company. They can decide to suspend your license or fine you.
Another consequence can be getting your rate increased as a penalty for the late payment. A higher insurance rate can cost you a significant sum of money going forward.
If you are driving a leased car, then you had better pay your insurance on time. If you fail to do so, the leasing company may decide to repossess the vehicle until a time when you are able to get insurance.
Payment by Progressive Insurance when done online or by phone is usually accepted immediately so you should pay it as soon as you get the money. When you have no option but sending the payment by mail, the payment date will be the date postmarked on the envelope.
Having automatic payments is the best way to make your insurance payments. All payments will be made on the regularly scheduled day.
Getting a Payment Extension
The only way to get a payment extension from Progressive Insurance after the grace period has passed is to contact the company directly. You should contact their customer service department and clearly explain your situation to the relevant party.
You can contact Progressive Insurance customer service through the following ways:
Calling customer service is usually the preferred choice. The reason is that it is the fastest and most efficient method.
To obtain the various customer service numbers, visit GetHuman.
A live chat is also a quick and effective way to communicate with Progressive Insurance customer service. You will need to be quick and comprehensively explain your hardship to the customer service rep.
Visit GetHuman to retrieve the link to the live chat facility.
Progressive Insurance also have customer service email support. It works pretty well too.
It offers space and time to explain the reasons for the extension in detail. The Progressive Insurance customer service email address can be obtained from GetHuman.
After thousands of Progressive Insurance customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Get an Extension on My Progressive Insurance Bill? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Progressive Insurance if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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