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Auto direct multi car insurance

Save money on your car insurance with USAgencies.

USAgencies is your one-stop shop that provides you with choices so you can choose the best car insurance available at the lowest price.

From multi-policy and multi-car to good driver and student discounts, we offer a variety of auto insurance choices. Our local agents will help you find the coverage that’s right for you and your budget.

Whether your driving record includes a DUI, tickets, accidents, or you want SR-22 insurance and need to get cheap car insurance fast, we can help. We specialize in low rates even for hard-to-insure drivers.

Our experienced experts do all the leg work for you — we have the best carriers, so you can trust us to find the company that matches the right policy for you at the best price.

Call us today for a low cost car insurance quote and let us help you save a bundle!

Mintoff car insurance

Coverage: What Affects My Auto Insurance Rates?

When you’re looking for a car insurance policy, decide first on how much coverage you really need. Set the limits you want for each category, the total deductible, and if you are okay with paying that amount in case you do have an accident.

Consider factors that affect your car insurance bill

If you are financing a new car, more than likely you will have to carry higher limits of auto insurance. But, if you are driving an older car that’s not worth a lot, you may save on your insurance by increasing your deductible.

Also, what if your car was stolen, wrecked, or if you or someone else got hurt?
Figure out the cost of insuring a new, higher-priced car or truck before you buy it. Is your new vehicle worth that higher rate – or maybe should you look for a low-priced set of wheels?

What area you live in will also affect your rate; you’ll pay more in cities and towns where crime and accident rates are high. Also, if you’re single and not married, it might show on your car insurance bill. If you’re a single male and under 25, you’re considered a riskier driver. If you are in this group, do yourself a favor and hold off buying that loaded Audi A7 or the Supercharged Range Rover until you are 26, and married!

Teen Drivers Insurance

Teen drivers have higher insurance rates due to inexperience behind the wheel and risk-taking behaviors. Bottom line – they will pay higher insurance rates. Teenagers are also the most likely to be involved in accidents, with 16-year-old drivers over 2.5 times more likely to be in a crash than 20- to 24-year-olds. This is why many states have implemented a Graduated Driver’s License (GDL) program to reduce teen crashes. The GDL program requires teens to go through specific steps before receiving their driver’s licenses.

But there are steps teens can take to get a break on these higher teen driver insurance rates. By completing a driver’s education course and maintaining good grades, they can get a Good Student discount.

Insurance Quotes and Multiple Drivers

If all drivers don’t live at the primary residence and all vehicles are not parked at this address, the rate will be affected.

How do I get auto insurance?

Becoming insured by one of the experienced, local experts at USAgencies is easy! We sell insurance at our local offices, online at http://www.USAgencies.com/insurance-options/car-insurance and over the phone at 800-958-8545.


We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

Mobile rates are for policies purchased directly from Progressive.

*National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

†Discount varies and is not available in all states or situations

**Countrywide average discount. Discount varies by state and is not available in CA.

††$50 discount available to new Progressive Direct auto customers who qualify for electronic signature and sign online. The discount applies to initial policy term only, and is not available in CA and NC.

‡National survey of new Progressive auto customers in 2015.

Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA's commission. Discounts not available in all states and situations.

Learn more about comparison rates , which are available from Progressive Direct® in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product and Progressive Direct's credit evaluation, and do not include prices and products available from Progressive agents. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service.

Name Your Price® is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


What's multi-car insurance discount?

If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy you take out with us.

Think of it as a multi-policy discount. The more policies you take out with us, the more discount you’ll get.

Introductory discount - Discounts are subject to a minimum premium. Online you can buy a maximum of 4 car policies per household, and over the phone 10 cars per household.

What are the benefits of multi-car insurance discount?

Here are some of the benefits of keeping you policies separate, instead of combining them into one policy like standard multi-car insurance:

  • No Claim Discount (NCD): This will not have an impact on other vehicles in the household. So if one of you has an accident or makes a claim on one car, the NCD on the other vehicles won't be affected.
  • Renewal date preserved: Every car you insure has its own policy start date and renewal date, so there's no need to worry about the expense of them all being renewed at the same time.
  • View your discounts before purchasing: By adding one car at a time to your policy, you can keep an eye on the money you’ll be saving before purchasing.
  • Register online: All policyholders can register their account and view their documents online.


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