Progressive Auto Insurance was the first major auto insurance group to launch a website, which was known as Auto-Insurance.com. Even more, it was the first to sell coverage online when it became Progressive.com two years later.

Around the same time, the issue of using credit history when determining auto insurance rates became an issue because some felt that it was more difficult for those with subpar credit to obtain reasonable car insurance quotes. This continues to be an issue today.

At the turn of the century, mobile devices became more common and as a result, more people began driving while talking on the phone and texting. In the past year, studies have emerged showing the dangers of texting and driving. As a result, the decision to ban this act has become a major focal point in 2010 state laws, as well as laws developing nationwide.

There’s no doubt that many major changes have occurred over the past century in the auto insurance industry. While it’s difficult to fill in every detail that occurred around the nation, it’s good to be able to answer some car insurance questions about how the industry got its start and made its way to present day.