Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 14, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

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. Instead of trying to type in what can be confusing numbers, you can snap a photo, and their system will read the photo for you.

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! Of course, it comes down to a question of how well their system works. How often will you have to type something in yourself? Will you need to use the resource center or other Progressive resources to get a quote or can you really rely on just a few pictures?

How does Progressive image capture 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. It does come with limitations, and the pictures have to be clear. In addition, if you want a bundle discount or other savings, you may need to check a few boxes. Progressive Image Capture is not made to provide comprehensive answers to insurance questions you may have. It’s all about speed.

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.” The market is moving in this direction to reduce the average cost and minimize the human staffing burdens many insurers are facing now.

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 scoreMVR and C.L.U.E. report. With most of these docs looking very similar and having specific data in certain places, it’s relatively simple to create programs that recognize these fields.

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. For now, you should expect to fill in some gaps, more if your pictures are poorly lit, documents are damaged or blurry, or something else. This is also true if you want more personalized coverage quotes for collision coverage, liability, and anything else.

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Can I use Progressive image capture 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. Like many other innovations, its spread was always dependent on its success in the early stages. Progressive insurance company continues to innovate and expand.

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?]

How strong is the future for Progressive Image Capture?

There is no black and white answer. Everything works for some people and not others. What’s clear is Progressive Image Capture can minimize the effort you spend on basic tasks. This makes it easier to focus on the bigger and more complicated tasks.

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.” Some insurance companies are generally cheaper. But with the complex algorithms that go into determining insurance rates, variances are even wider when you start adding comprehensive coverage. Comparing quotes is the best way to explore your options.

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?