1937 How Progressive began and evolved
Refer To：《How Progressive began and evolved》。
Our story started in 1937
我们的故事始于 1937 年
Our success was built on the foundation of two guys from Cleveland who saw an opportunity to serve an underserved market and offer something to consumers that no one else was: basic insurance that anyone could afford.
我们的成功建立在两位来自克利夫兰的男士的基础上，他们看到了服务一个被忽视市场的机会，并为消费者提供了别人没有的东西：任何人都能负担得起的基础保险。
Progressive is at its best imagining the unimaginable and doing the impossible. We will create an auto insurance experience that exceeds consumers’ highest expectations.
在想象不可想象的事物和完成不可能的任务时，我们处于最佳状态。我们将创造一种超越消费者最高期望的汽车保险体验。
PETER B. LEWIS
1990 Annual Report Letter to Shareholders
1937
On March 10, 1937, Joseph Lewis and Jack Green started Progressive Mutual Insurance Company. They wanted to provide vehicle owners with security and protection, and they thought an insurance company was a good investment for a couple of lawyers who were just getting started. Their business philosophy was to approach auto insurance in an innovative way—like no other company had.
1937 年 3 月 10 日，约瑟夫·刘易斯和杰克·格林创立了互助保险公司。他们希望为车辆所有者提供安全保障，并且认为开一家保险公司对刚起步的两位律师来说是个不错的投资。他们的经营理念是以一种创新的方式来经营汽车保险——与其他公司截然不同。
FIRST IN THE INDUSTRY
行业先锋
Progressive opens its doors for business and introduces the industry's first drive-in claims location.
开业营业，并推出业内首个现场理赔服务。
1956
Progressive Casualty Insurance Company is founded to be the first specialty underwriters of nonstandard insurance. At the time we had 40 employees and $2.6 million in written premium. We also launch our Safe Driver Plan, in Ohio, by offering low rates to drivers without accidents, and set an industry policy standard.
成立，成为首批非标准保险专业承保人。当时我们有 40 名员工，账面保费达 260 万美元。我们还在俄亥俄州推出了安全驾驶计划，通过为无事故驾驶员提供低费率，树立了行业保单标准。
1964
We become the first in Ohio, and one of few nationwide, to offer a payment plan to nonstandard auto policyholders. The same year, we start insuring products other than autos—motorcycles, motor scooters, and motorbikes.
成为俄亥俄州首家，也是全国少数几家，向非标准汽车保单持有人提供分期付款计划的公司。同年，我们开始承保汽车以外的产品——摩托车、电动滑板车和摩托车。
1965
The Progressive Corporation is founded and Peter B. Lewis takes over as CEO. A new company philosophy rejects industry groupthink that only corporate investments can be relied on for profit. Progressive prefers underwriting profit to growth and paves its own road setting rates for a fair profit, even if it means drivers will sometimes choose lower-priced insurers.
公司成立，彼得·B·刘易斯接任首席执行官。新公司理念拒绝行业的群体思维，即只有企业投资才能带来利润。更倾向于承保利润而非增长，开辟自己的道路，设定公平利润的费率，即使这意味着司机有时会选择价格更低的保险公司。
表面“难而正确的事”，其实是做了能力圈内的事。
1971
We hold our first public offering of Progressive stock and begin our stated objective of a 96 combined ratio (which means we earn 4 cents of profit on every premium dollar taken in). We begin offering motor home and commercial lines policies.
我们首次公开发行股票，并开始实现我们设定的目标——96 的综合赔付率（这意味着我们每收取一美元保费就赚取 4 美分的利润）。我们开始提供房车和商业险种的保单。
1974
We move from downtown Cleveland to our new headquarters in Mayfield Village, Ohio. With the move, we buy our first pieces of original art to display. This is the start of the Progressive Art Collection, supporting stimulating workspaces and creative thinking.
我们从克利夫兰市中心搬迁到俄亥俄州梅菲尔德村的新总部。随着搬迁，我们购买了第一批原创艺术品进行展示。这是艺术收藏的开始，支持激发工作空间和创造性思维。
1977
We're the first auto insurance company to publish its loss reserve report—providing full disclosure of how we establish and validate loss reserves.
我们是第一家发布损失准备金报告的汽车保险公司——全面披露我们如何建立和验证损失准备金。
1979
Progressive On-line Transaction Enquiry and Update System (PROTEUS) launches for data processing; this investment in technology brings productivity gains, makes operations more efficient, and enables us to handle growth and improve service.
在线交易查询和更新系统（PROTEUS）启动用于数据处理；这项技术投资带来了生产力提升，使运营更高效，并使我们能够应对增长并改善服务。
1987
Peter B. Lewis and his management team introduce Progressive's Core Values, which remain nearly unchanged to this day.
彼得·B·刘易斯及其管理团队引入了公司的核心价值观，这些价值观至今几乎未变。
1988
California voters pass Proposition 103 in protest of high auto insurance rates. Peter B. Lewis sees this as a wake-up call and sets forth a new social, and business, mission: reducing the human trauma and economic costs of auto accidents. He calls for an industrywide effort to help people see that you get what you pay for when you use your coverage and help them understand that safer driving can reduce the financial burden on everyone.
加利福尼亚选民通过了 103 号提案，以抗议高昂的汽车保险费率。彼得·B·刘易斯将此视为一个警钟，提出了一个新的社会和商业使命：减少汽车事故带来的人类创伤和经济成本。他呼吁整个行业共同努力，帮助人们认识到使用保险时“你付出多少就得到多少”，并帮助他们理解更安全的驾驶可以减轻每个人的经济负担。
We shift focus from being an agent-centric company to building a leading consumer brand.
我们的重点从以代理人为中心的公司转变为打造领先的消费者品牌。
1990
Progressive sets a new industry standard for claims service by offering immediate response capability to auto customers. We deliver claims service anytime, anywhere, 24/7, with the goal of providing a fast, fair, empathetic, and personal response to claim reports.
通过为汽车客户提供全天候、随时随地的理赔服务，树立了行业理赔服务的新标准。我们的目标是对理赔报告提供快速、公正、富有同情心且个性化的响应。
1992
With our new customer-driven strategy, we earn the spot as the No. 1 seller among independent agents.
通过我们以客户为驱动的新战略，我们赢得了独立代理商中第一大销售商的地位。
1993
We become the first auto insurance company to offer comparison rates and the option to buy by phone. We also began offering 24/7 customer service. After 10 years of research and experimentation in select markets, we introduce a product model that rates all auto owners and operators in nonstandard and standard markets.
我们成为首家提供比价费率和电话购买选项的汽车保险公司。我们还开始提供全天候 24 小时客户服务。经过 10 年的研究和在特定市场的试验，我们推出了一种产品模型，对非标准和标准市场的所有汽车所有者和驾驶员进行评级。
1994
We experience growth through our efforts to expand into standard markets and reach the ranking of the seventh-largest insurer. Our first Immediate Response vehicles start hitting the road as part of our immediate response claims strategy.
通过努力拓展标准市场，我们实现了增长，并跻身第七大保险公司行列。作为理赔策略的一部分，我们的首批车辆开始上路。
FIRST IN THE INDUSTRY
行业先锋
We also introduce 1-800-AUTO-PRO, the industry's first toll-free, 24/7 auto insurance comparison rating service, making it the only company to give consumers a Progressive quote and the rates of up to three other top auto insurance companies.
我们还推出了 1-800-AUTO-PRO，这是业内首个免费拨打的 24 小时汽车保险比价评级服务，使我们成为唯一一家为消费者提供报价及最多三家顶级汽车保险公司费率的公司。
1995
We become the first auto insurance group to launch a website, auto-insurance.com. Two years later, the site becomes progressive.com. We're the first major insurance company to offer an online agent referral service.
我们成为首个推出网站 auto-insurance.com 的汽车保险集团。两年后，该网站成为progressive.com。我们是第一家提供在线代理推荐服务的主要保险公司。
1996
We begin offering limited online policy access and quoting. We also introduce the use of consumers' credit histories in developing more accurate policy premium.
我们开始提供有限的在线保单访问和报价服务。我们还引入了使用消费者信用历史来制定更准确的保单保费。
1997
FIRST IN THE INDUSTRY
行业先锋
We become the first insurer to give consumers the ability to buy (not just quote) an auto insurance policy in real time online and start earning industry awards for our site design and customer experience.
我们成为首个让消费者能够实时在线购买（不仅仅是报价）汽车保险保单的保险公司，并开始因我们的网站设计和客户体验获得行业奖项。
1998
We're recognized for having the industry's most comprehensive and easiest-to-use auto insurance customer service site. The site lets customers make payments, track claims information, and modify policy information.
我们被认可为拥有业内最全面且最易用的汽车保险客户服务网站。该网站允许客户进行付款、跟踪理赔信息和修改保单信息。
1999
We become the first insurance group to offer instant online quotes for motorcycle, boat, and watercraft insurance, and in the following year, provide the opportunity to buy online.
我们成为首个提供摩托车、船只和水上交通工具保险即时在线报价的保险集团，并在次年提供在线购买的机会。
2000
New CEO Glenn Renwick challenges the company to offer Virtually Perfect Service, and to evolve our customers from insurance consumers to brand promoters and the idea launches the following year. We are the first auto insurance group to offer instant online quotes for RV insurance. We also become the first insurance company to introduce a Wireless Application Protocol, which allows consumers to access information about the company, find an independent agent/broker, and more by using their web-enabled PDA or cell phone, and become the first auto insurance group to receive a wireless payment from a customer using these devices.
新任首席执行官格伦·伦威克（Glenn Renwick）挑战公司提供几乎完美的服务，并推动我们的客户从保险消费者转变为品牌推广者，这一理念在次年启动。我们成为首个提供房车保险即时在线报价的汽车保险集团。我们还成为首家引入无线应用协议（Wireless Application Protocol）的保险公司，该协议允许消费者通过支持网络的 PDA 或手机访问公司信息、寻找独立代理/经纪人等，并成为首个通过这些设备接收无线支付的汽车保险集团。
2001
We become the first publicly held company to report underwriting results monthly.
我们成为首个每月报告承保结果的上市公司。
2002
We launch the unique Rate Ticker, which provides an up-to-the-minute sampling of comparison rates to see Progressive Direct's rate and rates from the country's top auto insurance companies.
我们推出了独特的费率滚动显示器（Rate Ticker），提供最新的比较费率样本，展示 Progressive 的费率以及全国顶级汽车保险公司的费率。
2003
Living up to our Core Value of Integrity, we offer transparency in the market by becoming the first major insurance carrier to release monthly financial results. We also begin selling the first-ever insurance policies for owners of Segway® Human Transporters, the self-balancing and emissions-free transportation devices.
秉承诚信这一核心价值观，我们通过成为首个发布月度财务结果的主要保险公司，实现了市场透明化。我们还开始销售首批针对赛格威®人力运输车（自平衡、无排放的交通工具）车主的保险政策。
FIRST IN THE INDUSTRY
行业先锋
We also introduce Service Centers for claims, offering one-stop, concierge-level service and convenience to customers.
我们还推出了理赔服务中心，为客户提供一站式、礼宾级的服务和便利。
2004
We pilot TripSense®, a usage-based insurance program to research driving habits, to Minnesota consumers. We also introduce Drive® Insurance from Progressive—a new brand of insurance developed expressly for independent agents and brokers and their customers, which was later discontinued in 2007.
我们在明尼苏达州向消费者试点推出了 TripSense ® ，这是一项基于使用的保险计划，用于研究驾驶习惯。我们还推出了 Drive®保险——这是一个专为独立代理人和经纪人及其客户开发的新保险品牌，后来于 2007 年停止运营。
2005
We become the first major auto insurance group in the U.S. to connect with consumers using "Talk to Me," a Voice Over Internet Protocol tool.
我们成为美国首个使用“Talk to Me”语音互联网协议工具与消费者连接的主要汽车保险集团。
2007
We secure naming rights to Cleveland Indians stadium, now called Progressive Field, and get the Progressive brand in front of millions of baseball fans a year. We become the first insurance company to offer Pet Injury coverage, which covers dogs and cats if they're hurt when you're in a car accident. And we launch the industry's first Web 2.0 site, featuring easier navigation, more personalization and customization, easier-to-use video content, and more visuals throughout.
我们获得了克利夫兰印第安人棒球场的冠名权，该球场现名为Progressive Field，每年向数百万棒球迷展示我们的品牌。我们成为首家提供宠物伤害保险的保险公司，该保险涵盖在车祸中受伤的狗和猫。我们还推出了业内首个 Web 2.0 网站，具有更简便的导航、更个性化和定制化、更易用的视频内容，以及更多的视觉元素。
2008
Flo and the Superstore debuts. "Wow! I say it louder." And with one phrase our brand icon and a pop-culture phenomenon is born.
Flo 和超级商店首次亮相。“哇！我说得更大声点。”就这样，我们的品牌标志和流行文化现象诞生了。
FIRST IN THE INDUSTRY
行业先锋
We further evolve our usage-based insurance program to MyRate, an innovative way to price car insurance that lets drivers get a customized rate based on how they actually drive.
我们进一步发展了基于使用的保险计划，这是一种创新的汽车保险定价方式，让驾驶者根据他们的实际驾驶情况获得个性化的费率。
2009
FIRST IN THE INDUSTRY
行业先锋
We're the first auto carrier to offer a Name Your Price® option during policy quoting, which makes it easier to shop for car insurance.
我们是首家在报价过程中提供Your Price®选项的汽车保险公司，这使得购买汽车保险更加便捷。
We also introduce a new technology on our website—an option for customers to chat online with service representatives.
我们还在网站上引入了一项新技术——为客户提供与服务代表在线聊天的选项。
2010
We're the first major U.S. car insurer to release an Android app just for car insurance.
我们是首个推出专为汽车保险设计的安卓应用程序的美国主要汽车保险公司。
2011
We rebrand our usage-based insurance program to Snapshot®, rewarding customers with lower rates for safe driving behaviors.
我们将基于使用的保险计划重新命名为Snapshot®，通过安全驾驶行为奖励客户以更低的费率。
2012
AdAge names Flo on its Top Ten Female Ad Icons of All Time list.
AdAge 将 Flo 评为有史以来十大女性广告偶像之一。
We also introduce the option to buy a policy via our mobile app. Progressive Commercial Lines earns the No. 1 spot as insurer of non-fleet trucks.
我们还推出了通过移动应用购买保单的选项。商业险获得非车队卡车保险商第一名。
2014
After an extensive search, we find a homeowners insurance company that aligns with both our culture and business goals. We secure a controlling interest investment in American Strategic Insurance (ASI).
经过广泛的搜索，我们找到了一家与我们的文化和业务目标相符的房主保险公司。我们获得了 American Strategic Insurance（ASI）的控股权投资。
2016
We give customers a new choice in the claim process—the option to submit their vehicle damage photos to us via our mobile app to get a claim estimate. New CEO Tricia Griffith is named and later establishes the company's 'True to our name. Progressive.' purpose statement for employees, to encourage innovation, focus on customer service, and expand beyond auto insurance by moving into the home insurance market.
我们为客户在理赔过程中提供了新的选择——通过我们的移动应用提交车辆损坏照片以获取理赔估算。新任首席执行官特里西亚·格里菲斯被任命，随后为员工制定了公司的“True to our name. Progressive.”使命宣言，旨在鼓励创新，专注于客户服务，并通过进入家庭保险市场，拓展汽车保险之外的业务。
2017
FIRST IN THE INDUSTRY
行业先锋
Progressive becomes the first insurer to offer a voice action on Google Home.
成为首家在 Google Home 上提供语音操作的保险公司。
Flo Chatbot debuts, making Progressive the first major insurer to give consumers the ability to quote an auto policy via Facebook Messenger. We also launch our multiple home quoting platform with HomeQuote Explorer®.
Flo 聊天机器人首次亮相，成为首个让消费者通过 Facebook Messenger 获取汽车保单报价的主要保险公司。我们还推出了多重家庭报价平台 HomeQuote Explorer ® 。
2018
We make shopping online for bundled auto and homeowners policies easier and faster by integrating HomeQuote Explorer with our direct auto quoting experience.
通过将 HomeQuote Explorer 与我们的直接汽车报价体验整合，我们使在线购买捆绑汽车和房主保险变得更简单、更快捷。
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