Progressive's car insurance options provide a variety of coverage types as well as some extra perks. For instance, if you total your car, Progressive will help you shop for a replacement vehicle at no extra charge. Other free services include 24/7 claims assistance, local response claims help, and concierge claims service. In addition, you can qualify for accident forgiveness, which means your rates won't go up after a wreck if you've been with Progressive for 4 years and accident free for 3 years in a row. You can even have your pet's injuries covered in case of an accident.