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Progressive Auto Insurance Policy Application

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PROGRESSIVE AUTO INSURANCE POLICY APPLICATION

Applicant Information

Applicant Name:

Date of Birth:    Driver License No.:    License State:

Additional Drivers

Driver 1 Name:    DOB:

Driver 1 License No.:    Relationship:

Driver 2 Name:    DOB:

Driver 2 License No.:    Relationship:

Vehicle Information

Primary Use:    Odometer:

Policy Selection and Coverage Limits

Policy Type:

Liability Limits (per person / per accident):  /    Property Damage Limit:

Uninsured/Underinsured Motorist Limit:    Medical Payments Limit:

Deductible (collision/comprehensive):    Estimated Annual Premium:

Policy Period Effective Date:    Policy Period Expiration Date:

Optional Coverages

        

Exclusions and Notices

The policy applied for will not cover losses arising from: intentional acts, use of the vehicle for unauthorized commercial activity, racing, or operation by a driver excluded under the policy. Applicant acknowledges that coverage is subject to the terms, conditions, endorsements and exclusions contained in the policy contract issued by the insurer.

I acknowledge that failure to disclose material information, including but not limited to driving history, prior accidents, or vehicle use, may void coverage or result in policy rescission. I further acknowledge that any misrepresentation made for the purpose of obtaining insurance may constitute insurance fraud under applicable law.

Beneficiary for Medical/Death Benefits

Beneficiary Name:

Relationship:    Allocation Percentage:

Prior Insurance and Loss History

Have you had any accidents or violations in the past 5 years?

Declarations, Authorization and Certification

By signing below, I declare that the information provided in this application is true, complete and accurate to the best of my knowledge. I understand that the insurer will rely upon these representations in underwriting the policy. I authorize the insurer to obtain motor vehicle records, claim history and other consumer reports necessary to evaluate eligibility for coverage and premium calculation.

I understand that coverage will not be effective until the insurer completes its underwriting process and issues a policy, and that any insurance provided prior to issuance is subject to terms and conditions as determined by the insurer. I agree to notify the insurer of any material change in information provided in this application prior to policy effective date.

Fraud Warning: Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an insurer, submits inaccurate, false or incomplete information may be subject to civil and criminal penalties under applicable law.

Applicant:

By:

Date:

Enter text✕

What the Progressive Auto Insurance Policy Application Is

Progressive Auto Insurance Policy Application is the underwriting and enrollment form used to request new coverage, make endorsements, or change existing auto insurance with Progressive. The form collects applicant identity, vehicle information, driving history, coverage selections, prior carrier data, and declarations needed for underwriting and premium calculation. It functions as both an application and a record of truthfulness; material misstatements may affect coverage availability or claims. The application can be submitted on paper or electronically where state law allows.

Why Accurate Completion Matters

Completing the Progressive Auto Insurance Policy Application accurately establishes insurer and insured details, coverage selections, and underwriting facts required to issue a policy. Accurate input reduces processing time, supports correct premium calculation, and preserves contractual rights; incomplete or false statements can result in rescission or claim denial under policy terms.

Why Accurate Completion Matters

Who Typically Interacts with This Application

Typical users who complete or submit this application include agents, brokers, policyholders, and corporate risk managers handling vehicle fleets.

  • Individual drivers applying for primary or secondary coverage on personal vehicles.
  • Independent agents or agency staff preparing applications for new business or endorsements.
  • Commercial fleet managers providing vehicle lists, driver rosters, and desired limits for business policies.

Knowing each participant's role helps assign signature authority, verify identity, and route the application correctly before submission.

Core Sections You Will Find on the Application

Overview of the Progressive Auto Insurance Policy Application layout and the principal sections you will encounter when completing or reviewing the form.

Applicant Info

Full legal name, date of birth, Social Security number or Tax ID, contact details, and residential address used to verify identity and calculate risk-based rates.

Vehicle Details

Vehicle year, make, model, VIN, primary use, garaging ZIP code, and listed owners to determine eligibility, coverage tiers, and potential discounts.

Driving History

List of drivers, license numbers, prior accidents, violations, driver age, and mileage estimates; this data directly affects underwriting decisions and premium adjustments.

Coverage Selections

Selected limits for liability, collision, comprehensive, UM/UIM, deductibles, endorsements such as rental reimbursement or roadside assistance, and state-specific coverages.

Declarations & Prior Coverage

Disclosure of prior carriers, lapse history, prior claims, and any material facts like commercial use or prior policy cancellations that may affect underwriting.

Signatures & Declarations

Signature blocks for applicants, authorized agents, and company representative including dates, attestations of truthfulness, and electronic consent language required by ESIGN/UETA.

Essential Fields Required on the Application

Full Name: Enter legal name as on ID
Date of Birth: Enter date as MM/DD/YYYY
SSN / TIN: Provide SSN or EIN for underwriting
Vehicle Identification: Provide full 17-character VIN
Coverage Choices: Select limits and deductibles
Signature: Sign and date; initial pages

Step-by-Step: Complete and Submit the Application

Follow these sequential steps to complete and submit the Progressive Auto Insurance Policy Application correctly.

  • 01
    Prepare Documents: Gather ID, registration, and prior policy numbers.
  • 02
    Complete Sections: Enter applicant, vehicle, and coverage details.
  • 03
    Review & Verify: Check VIN, SSN, and policy limits for accuracy.
  • 04
    Sign & Submit: Sign electronically or print and mail per instructions.

Configure an Online Workflow for eSubmission

Configure an online workflow when using eSignature to collect, route, and store completed applications securely.

Field Configuration
Signer Authentication Email link with optional SMS code for identity verification
Conditional Fields Show driver details only if additional drivers selected
Bulk Send Enable for mass renewals; reduces manual sends
Storage Location Encrypted cloud storage; retain per retention policy

Platform Requirements and Integrations to Consider

Supported platforms and integrations you may need for eSubmission, automated routing, and secure long-term storage.

  • File Formats: PDF, Word DOCX, and PDF/A exports
  • Integrations: Salesforce, Microsoft 365, NetSuite, Box, Google Workspace
  • Security: TLS 1.2/1.3 in transit; AES-256 at rest

How eSubmission Typically Flows

Typical routing and submission flow for completing and delivering the completed application to Progressive or an authorized agent.

  • Upload Document: Sender uploads application PDF or form
  • Place Fields: Add signature, date, and data fields for signers
  • Send to Signer: Email or secure link delivered to signer
  • Receive Completed: Completed package returned with audit trail

Timelines and Typical Processing Expectations

Key timelines and typical processing expectations after submitting a Progressive Auto Insurance Policy Application, including underwriting review, document verification, and scheduling of policy effectivity.

Immediate Acknowledgement:

Email confirmation upon receipt in most online channels

Underwriting Review Window:

Typically 48–72 hours for standard applications; longer if inspections required

Inspection or Appraisal:

May take 3–14 days depending on vehicle and location

Policy Effective Date:

Set per application date or requested future date

Issuance of Documents:

Policy declarations and ID cards sent after payment clearance

Common Mistakes to Avoid

  • Incomplete or incorrect VIN entries and inaccurate vehicle use statements cause misrating and can delay underwriting; verify VIN against title and registration to reduce errors.
  • Mismatched names, missing SSN/TIN, or inconsistent addresses frequently trigger identity verification steps and can delay policy issuance or require supplemental documentation.
  • Failing to disclose commercial, ride-share, or delivery use can void coverage for related claims; disclose any business use explicitly to avoid claim denials.
  • Leaving driver fields or prior claims history blank increases audit risk and may lead to rescission or claim denial during post-claim investigation.

Penalties and Risks of Incorrect or Incomplete Applications

Rescission Risk: Policy voided for material misrepresentation
Claim Denial: Claims may be denied for undisclosed facts
Premium Adjustment: Retroactive premium increases possible
Legal Liability: Potential civil exposure for fraud or misrepresentation
Regulatory Fines: State insurance regulators may impose penalties
Coverage Gaps: Unintended exclusions or reduced limits

Typical eSignature Vendor Pricing and Feature Comparison

Compare common commercial eSignature vendors on starting price, trial availability, bulk send, audit trail, HIPAA support, and envelope limits for context when choosing a solution.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Free trial available Free trial available Free trial available Free trial available
Bulk Send Yes (Business Premium) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Real-World Examples of Electronic Application Workflows

These examples show how organizations adopted electronic signing and processing for insurance-related applications and related documents.

Martin Properties

Tim Martin, founder of Martin Properties, used online signing to process insurance and property documents without in-person meetings.

  • Streamlined mobile signing and offline capability.
  • By adopting an online workflow he maintained compliance, shortened turnaround times, and enabled clients and agents to complete applications from any device, improving recordkeeping and accelerating issuance of necessary policy documents.

Optica Ventures

Brian Fitzgibbons, COO of Optica Ventures LLC, emphasized usability for internal teams and customers when collecting signatures.

  • Simplified customer signing experience.
  • The simple interface reduced confusion, lowered follow-up volume, and made it easier to collect accurate application data while maintaining audit trails required for underwriting and regulatory review.

Frequently Asked Questions About the Application

Answers to common questions about electronic completion, signatures, submission, and post-submission corrections for the Progressive Auto Insurance Policy Application.


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