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Ben
11-03-2012, 12:15 PM
I did a little search and most insurance talk on here is boats (imagine that). I'm finally getting around to shopping my auto/home as well (more time for chores when the boat is away for the winter). I've found substantial savings to go from AAA to Progressive (~35% total, 35% on auto alone).

Anyone have input on Progressive? I called a collision shop, and they said AAA was prime for customers, but didn't have any solid reason "why" they are better...

They are offering a 6-month term, which makes me a bit nervous that they would BUY my business, then jack the price up after 6 months. They have not done that on the boat yet though...

cbryan70
11-03-2012, 12:53 PM
I sell progressive. If its saving you that much go with them. They are an A rated company. If you buy progressive and have your homeowners insurance through the same broker progressive will knock another 5% off each car. This JUST started last week at least in IL.

Sullivan
11-03-2012, 06:34 PM
I will never give a single dime to Progressive: http://www.snopes.com/politics/business/peterlewis.asp

onewheat
11-05-2012, 09:19 PM
I gave up on Progressive years ago - they were jacking me around on some military rates that I found out was their mistake - they would correct it from that day forward, but do nothing about the past terms. I had a claim I felt like they shorted me on, then they immediately cancelled me after that 1 break-in claim after years of being with them. I don't care what rates Flo promises, I will never give them my business again either.

bcd
11-06-2012, 06:37 PM
I had them for everything for maybe 2 years, but just dropped them. They just increased my auto rate, so I shopped around and found cheaper. I had a bad hail storm the spring before last. A couple of my complaints is that most of my neighbors had a full year to get their roof replaced to get the full insurance payout. Progressive only gave me 6 months. They also have since made a separate deductable for hail and made it crazy high.

JimN
11-06-2012, 07:52 PM
I will never give a single dime to Progressive: http://www.snopes.com/politics/business/peterlewis.asp

After entering "George Soros and Progressive Insurance" in the Snopes search bar, I'd be more concerned by this:

" ...funding for these groups was conditional on matching contributions from George Soros, the international socialist who finances much of the Obama...
Tue, 06 Nov 2012 18:51:07 GMT http://www.snopes.com/politics/business/peterlewis.asp"

Sierra Tango II
11-06-2012, 08:18 PM
I had progressive insurance on my harley and never made a claim. I had an incident where a lady who was also insured by progressive at the time did a u-turn in front of me and slammed into the side of my dump trailer. Cops came, open/shut, gave her the ticket and we both went on our way. Called the next day to make a claim and the adjuster was a total jack a**, told me that even though she recieved the ticket that he wasnt going to pay me a cent. We went round and round until I brought up the fact that I was also a client and had been a client with no claims for 5 years. His attitude changed completely but still refused to pay, said the cop wasnt there and wasnt in the position to make a judgement. I sued the lady, won and made damned sure to call and rub it in the adjusters face. Not only did i win the full amount but they also were ordered to pay me an extra 50 bucks. I would never ever ever recommend Progressive to anyone unless Progressive was their only option. On the other hand my car was parked last year and one of State Farms clients drove drunk into the back of it. Called the adjuster, they sent an independant adjuster out and within a week I had a check. Talked to the the independant adjuster and he said that out of all the companies he works for that State Farm is the best and they work really hard to keep people happy (within reason of course). I would highly recommend them.

Sullivan
11-06-2012, 08:40 PM
After entering "George Soros and Progressive Insurance" in the Snopes search bar, I'd be more concerned by this:

" ...funding for these groups was conditional on matching contributions from George Soros, the international socialist who finances much of the Obama...
Tue, 06 Nov 2012 18:51:07 GMT http://www.snopes.com/politics/business/peterlewis.asp"

Just add it to the pile of Sh!t that surrounds that group.

JimN
11-06-2012, 11:12 PM
I had progressive insurance on my harley and never made a claim. I had an incident where a lady who was also insured by progressive at the time did a u-turn in front of me and slammed into the side of my dump trailer. Cops came, open/shut, gave her the ticket and we both went on our way. Called the next day to make a claim and the adjuster was a total jack a**, told me that even though she recieved the ticket that he wasnt going to pay me a cent. We went round and round until I brought up the fact that I was also a client and had been a client with no claims for 5 years. His attitude changed completely but still refused to pay, said the cop wasnt there and wasnt in the position to make a judgement. I sued the lady, won and made damned sure to call and rub it in the adjusters face. Not only did i win the full amount but they also were ordered to pay me an extra 50 bucks. I would never ever ever recommend Progressive to anyone unless Progressive was their only option. On the other hand my car was parked last year and one of State Farms clients drove drunk into the back of it. Called the adjuster, they sent an independant adjuster out and within a week I had a check. Talked to the the independant adjuster and he said that out of all the companies he works for that State Farm is the best and they work really hard to keep people happy (within reason of course). I would highly recommend them.

About the time an adjuster says he's not going to pay because the cop wasn't there, I would "explain" to him that he wasn't there, either, and that maybe his boss can shed some light on how he should be doing his freaking job. I would also call the state insurance commissioner.

bturner2
11-07-2012, 07:02 AM
I've been with AAA MI for about 12 years. I've shopped around about 3 times during this period and they were always very competitive in the market. Not the lowest but very competitive. Progressive has always been cheaper but everyone I've known that has went with them has told me that Progressive stands for progressively higher rates and progressively lower service and coverage.

AAA has great service but don't be fooled into thinking any of them have your best interest in mind when it comes to paying a claim. You have to be on your toes anytime you deal with an insurance company and remember that it's in their best interest to pay the absolute least on your claim. I went round and round with them when my daughter totaled out her 8 month old car. The difference between first and last settlement offers was close to $10K. It took me getting my local AAA agent engaged to get what I felt was a fair settlement. That being said that fact that my local agent went to bat for me and that AAA actually came though speaks volumes. I'm still with them 2 years later and plan to stay with them.

Ron Grover
11-07-2012, 07:57 AM
Progressive, been there done that. Never again.

mcparadise
11-07-2012, 12:14 PM
Actually I have progressive because it was so easy to do.
BUT, FWIW, a work buddy had his motorcycle stolen recently and found afterwards in the fine progressive print that this was not covered...he was t'd off....I quickly checked my boat policies and that's not the case for mine...

jgraham37128
11-07-2012, 12:24 PM
So who does everyone have their boat insurance with? Mine is with Progressive but I'm willing to pay more to make sure this idiot doesn't get anymore of my money!

mzimme
11-07-2012, 12:38 PM
I have state farm for everything except my boat. I've been incredibly happy with state farm for vehicles, motorcycles, etc. The boat was about double what skisafe wanted though, so I went with skisafe.

Rockman
11-07-2012, 01:26 PM
I sell progressive.

Now you tell me! :cool:

bturner2
11-07-2012, 01:41 PM
BoatUS for over 20 years and several MasterCrafts. I like the towing options for both on and off the water. Only had one claim but the paid it without questions and at the shop I wanted to have it fixed at.

Thrall
11-07-2012, 03:51 PM
News flash! ALL insurance companies suck!
AAA, great company right? When I was in college, my parent's garage caught fire and burned up 3 cars (all but mine 'cause it was 150mi away). Good customers, been with AAA for 20?+ years maybe longer. Good record. Couple fender benders once my sis started driving, but nothing big.
After they paid out (and screwed us on the value of Dad's truck) they dropped us. Period, end of story, no raised rates, just done. Over a comp claim on 2 not very expensive vehicles and one nicer car. Parents only got enough $ to buy cars that were 3-4 yrs older than those that had burned. They were in fact higher risk than me after that incident. I actually got insurance on my own instead of staying attached to their policy because me, a 21yr old single male with a not awesome driving record wsa suddenly cheaper to insure than my parents!
Seen crappy stuff with several other "big name, premium" ins companies too.
Regarding Progressive, I've had them for 10 yrs now on the cars and boat. Been good so far. No unannounced rate jackings or anything, however I have yet to put them to the test (thankfully). Have friends that have been satisfied how Progressive handled claims as have I. WIfe got hit by a guy who also had Progressive a couple years ago. Just bumper damage on the truck. Progressive was there to give me an estimate and cut a check in 1 day! And got it in writing that it was not a final payout should I uncover more damage after the fact.
(There was no other damage. Cashed my $800 check, bought a new bumper off Craigslist and was good as new.)

Regarding homeowners, I have AmFam on 2 of the houses currently and Auto Owners on the one in WI.
Switched to AmFam when buying hte last house, best rates by far in WA and CO, saved a bunch. Not in WI for some reason though, they couldn't compete on that house. No claims yet, but Auto Owners hosed me on what should have been a compensable claim, but they had just won a court case in WI regarding the same thing, so they told me to eff off and referred my to the recent court decision.............scumbags.
For comparison, I called my Am Fam agent and attempted to start the same claim ( as a test to see if they would cover it) and Am Fam would cover what Auto Owners would not........Reccomend Am Fam until they screw me!

Thrall
11-07-2012, 03:58 PM
Don't reccomen State Farm or Allstate either! "Like a good neighbor" my @ss.
"You're in good hands.........." that are about to give you an unwanted reach around!

JimN
11-07-2012, 04:02 PM
I never had many tickets or accidents. I bought an '81 RX-7 in about '86 and had a blast, but it wasn't modded. I decided to call around for insurance rates and some companies didn't even write for that model because "too many people trying to climb trees with them". I went with State Farm. One night, I went out to see someone play at a club. A friend and I were talking about insurance and at one point, I said "It's a huge scam. Now watch- I'll walk outside and my car will be gone". I'll never say that again. It was gone and they found parts of it about 10 days later. I didn't know I could refuse their offers, so I took the first one. I was pretty PO'd after that.

My last insurance agent told me they couldn't find a better rate for my '90 Silverado fro the whole time I was with them. I canceled coverage last year because it was too much. I think $850/year is too much, considering the fact that my record is absolutely spotless and I didn't have collision coverage. Ten years an I paid more than $7K with no claims. I went with Farmers and it includes collision, for $480/year. I just canceled my homeowners and business/business vehicle with that other agency, too. I had Acuity fro all of it and when I had water in my basement two years ago, Acuity was a royal PITA to deal with.

ahhudgins
11-07-2012, 05:00 PM
My wife just got out of the insurance business after 20+ years. She was tired of watching her customers pay their premiums and then have to scratch and claw to have their claims settled. She said that we will NEVER have any of our property covered by Progressive.

davidstan
11-08-2012, 06:49 AM
Try Nationwide The Daughtry Agency in Ala. they beat everyone but have no claim experience with them. Used to have Progressive but giving money to a left winger not an option. I speak with my money when I can.

Dino Don
11-08-2012, 08:03 AM
All mine is USAA :)

barefoot
11-08-2012, 08:13 AM
I have progressive for the boat and AAA for cars and home. AAA wouldn't insure the boat because of the age, but Wife gets a discount with AAA through work and we pay next to nothing for our insurance.

I haven't had any problems with progressive. Rates have remained the same...maybe a couple dollars higher. I did opt for 'agreed upon value' for the boat. Should anything happen, I'll be in good shape.

Ben
11-08-2012, 08:46 AM
Thanks for all the input folks. My AAA guy came down to within $130 or so for house + cars, so I'm sticking with it. Plus it is an old neighbor, so maybe that will help if something ever happens.

Boats are w/progressive, may shop those around too.

94PS190
11-08-2012, 09:24 AM
I have my boat listed as a rider on my homeowners...Was by far the cheapest route for me.