Progressive auto / home insurance

[Ben]

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]

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]

I will never give a single dime to Progressive: http://www.snopes.com/politics/business/peterlewis.asp

[onewheat]

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]

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]

Originally Posted by Sullivan

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]

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]

Originally Posted by JimN

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]

Originally Posted by Sierra Tango II

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]

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.