What is the grace period with Progressive?

I have Progressive insurance with full coverage on two cars. I just bought another vehicle and got pulled over in Scappoose, Oregon less than an hour later. I told the officer I thought I had a 30-day grace period to add the new car to my policy since I already have full coverage on my other vehicles. But he still gave me a $263 ticket for driving without insurance. Do I actually get a grace period, or was the officer right?

For most major car insurance companies (including Progressive), you’re correct. While Oregon doesn’t give you an official grace period under state law, many insurers will automatically extend your existing coverage to a newly purchased car for a short time, usually between 7 and 30 days depending on your policy. With Progressive, if you already have full coverage on your other vehicles, that same level of protection typically carries over to the new car during the grace period.

I’d recommend calling Progressive right away and asking them for proof of coverage(sometimes called a “letter of experience” or “declarations page”) that shows your policy and grace period terms. Be sure to add the new car to your Progressive plan as soon as possible, and gather any paperwork you can — like a time-stamped bill of sale or a notarized receipt from the dealer. Presenting that documentation to the court may help show you were in compliance with your insurance, even if the officer didn’t recognize the grace period. With the right paperwork, there’s a good chance the court will be more understanding and clear the ticket.

I hope this helps, and good luck!