Progressive Image Capture: Insurance Quoting of the Future?

May 16, 2012 No Comments »
Progressive Image Capture: Insurance Quoting of the Future?

Well, it’s official. You can now do just about everything with your mobile phone. Leave it to Progressive, as they seem to be the technology leader when it comes to insurance, to come up with a way for people to get insurance quotes with a smartphone.

Progressive’s so-called “Image Capture” technology allows consumers to get a car insurance quote in mere minutes…as long as you have reception, that is!

How Does it Work?

The technology is similar to that of a bank, many of which are now able to accept check deposits with the use of a smartphone camera.

In fact, the company that developed the technology, Mitek Systems, also developed this dandy app for Progressive, which is also being marketed as “Progressive Mobile.”

[Compare rates from the leading car insurance companies in your area.]

Simply put, you snap a few pictures of documents that display the personal information necessary to obtain insurance quotes. Here’s the rundown of the necessary steps:

1. Enter your zip code into the application.
2. Take a picture of your driver’s license.
3. Take a picture of your vehicle identification number (VIN) or your current auto liability insurance card.

The app then scans these documents to auto populate the necessary information to get your insurance quote started. This information will likely include your insurance score, MVR and C.L.U.E. report.

Next, you confirm your information has been uploaded properly and you’re on your way.

Of course, the software doesn’t read your mind and choose coverage for you, but that process is completed by filling out a couple more forms and viola! Your quote is ready to go.

You can also purchase your policy using this application…assuming you like the insurance premium Progressive comes up with.

Can I Use This in My State?

There are currently 28 states in which you can utilize the Image Capture from Progressive app. Don’t fret if your state is not listed here; Progressive is poised to release this futuristic quoting option in more states in the very near future.

For now, insurance shoppers in AZ, CA, CO, CT, FL, GA, IA, IL, IN, MD, MI, MN, MO, MS, MT, NE, NH, NJ, NV, NY, OH, OK, OR, SD, TX, VA, WA, and WI can try their hand at the smartphone quote software.

If you own an iPhone, download the Progressive App for iPhone from the Apple app store to get started. If you have an Android phone, head over to the Google Play website to get the Progressive app.

Good luck and happy quoting!

[How are car insurance rates determined?]

Move Over Sliced Bread?

Maybe,maybe not.

We here at TTAI believe that no matter how easy it is to obtain an auto insurance quote, you should still speak with an independent agent or a company representative to ensure you understand your (complicated) coverage.

Beyond that, you should also obtain several quotes to ensure you aren’t paying too much money for “ease-of-use.”

After all, knocking a couple hundred dollars off of your annual auto insurance premium may be worth spending a few extra hours shopping.

At the end of the day, this is a cool new feature if you want to see where you stand without a lot of work and sales pressure from a live rep, but it certainly doesn’t replace the value of a few well-placed phone calls.

So take the time to shop around before committing to one insurer. Otherwise you’re simply paying a premium, no pun intended, for convenience.

Read more: How can I lower my auto insurance rate?

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