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Case Activity: Progressive Insurance It is nearly impossible to watch an hour of television and not see Flo, the Progressive Insurance spokeswoman. She's starred in more than 100 commercials for the auto insurance company, and with nearly 5 million Facebook followers and her own Twitter handle, Flo is helping customers engage and connect with Progressive. But Flo isn't the only spokesperson person pushing insurance these daysAllstate has Mayhem, Geico has a talking gecko, and The General Insurance has a cartoon general. Insurance is a highly competitive industry with numerous companies fighting for the same customers. Progressive has lived up to its name by taking an innovative approach to auto insurance. Within its industry, Progressive was the first company to provide claims service at the scene of an accident, 24 hours a day, 7 days a week. The result is that claims are settled within hours instead of days. The company was also the first to sell auto insurance online. It still does, but now the company has a mobile app, in which customers can receive insurance quotes, request roadside assistance, start a photo estimate for an insurance claim, and more. Progressive is a leader in the insurance industry, and its success shows the importance of being innovative and responsive in such a competitive and fast-changing environment .Progressive's addition of a mobile app, which allows customers to start photo estimates for insurance claims, was likely created because Progressive marketers noticed a change in _______. economic factors political and legal factors demographic factors the technological environment Assessment question To make its insurance more affordable, Progressive was the first auto insurance company to allow its customers to pay their premiums in installments. Due to changes in _______, Progressive recognized a need and presented a solution to those customers. economic factors technology and innovation the competitive environment ethnic markets Assessment question Progressive customers can use a Snapshot device (which plugs into a car's on-board diagnostics port) that monitors how the customer drives. Customers then send the Snapshot device back to Progressive and, depending on their driving habits, they receive a discount on their rates. This is an example of a change in the _______. competitive environment technological environment political and legal environment economic environment Assessment question Over the last six months, Progressive has noticed a decline in applications for new policies. The latest industry reports indicate similar declines among other home and auto insurers. The Bureau of Labor Statistics reports that the unemployment rate has steadily increased over the last three quarters. In response to these changing conditions, Progressive is now offering a Progressive Value coverage option. This full coverage auto insurance excludes items like rental car reimbursement and roadside assistance.

Progressive is likely offering this type of coverage due to changes in _______.a) ethnic factors b) technological and innovation factors c)the competitive environment d)the economic environment