Experiences with Progressive car insurance?

Discussion in 'After Hours Lounge (Off Topic)' started by ChrisMatson, Jan 27, 2004.

  1. ChrisMatson

    ChrisMatson Cinematographer

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    My wife and I recently added another car to our policy with Allstate. I am relatively happy with the premium, but out of curiosity I did an online price comparison through Progressive. I was shocked to see that we could maintain the exact same coverage and save about 25-30% in our premium. The only reason I am with Allstate is that my parents used them my entire life and have always been happy with the service and rates. It was easy to stay with them when I moved out here to Iowa and rates are so much cheaper than what I was paying in the DC area.

    So, has anyone had experience dealing with Progressive, or more importantly, filing a claim? Are they one of the companies that are quick to boost your rate or drop you for an accident?

    Thanks.
     
  2. Fred Seger

    Fred Seger Stunt Coordinator

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    I've had Progressive in the past. Always very prompt about claims. At least in Ohio they have there agents drive out to see your vehicle a couple hours after you call. I claimed 2 back windows and 1 front window in my truck all within about 3 months and the adjuster( i think that's the term) never blinked. My rates went up mostly from speeding tickets more than from claims.
    And this might sound like a commercial - but you can do a lot of stuff on their website.
     
  3. Tim Hoover

    Tim Hoover Screenwriter

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    I just experienced my first rate drop after being w/ Progressive for 2 years and making all my payments on time. I received a nice 30% decrease [​IMG]
     
  4. Tim K

    Tim K Second Unit

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    When we got married in September I shopped around for new insurance (couldn't keep my old b/c I was moving). She had Allstate and we were quoted something like $2500 for the year. Progressive was $1900.

    Also, I was rear-ended by someone with Progressive in 2001. It was 1pm on a Sunday afternoon. By 3pm, a progressive agent was at my house inspecting the vehicle, and I had a check in my hand by 4pm. That's fast.

    NOTE NOTE NOTE NOTE!!!!!!!

    I have NO IDEA why, but make sure you get your quote two different ways. Once in your name with your wife as a second driver and once in her name with you as the second driver. IT CAN MAKE A DIFFERENCE.

    Regardless of the fact that I would be the primary driver using our 1 vehicle as a means of transportation to/from work every day....the rates were $400 higher if the policy was in her name. She has no accidents, no tickets, no claims. I have some accidents all of which I was not at fault. I'm 29, she's 27. Go figure.
     
  5. ChrisMatson

    ChrisMatson Cinematographer

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    I got a quote that will be tough to beat:
    $100,000 Bodily injury, $300,000 per occurence
    $100,000 Property damage
    $100,000 Uninsured motorist, $300,000 Bodily injury
    $100,000/$300,000 Underinsured motorist
    $5,000 medical payments per person
    $250 collision deductible
    $100 comprehensive deductible
    $25/day car rental
    Loan gap payoff insurance

    For our two cars ('92 Accord and '04 Civic)
    Allstate is about $1,300
    Progressive is about $900

    I like what I am hearing so far. Any more comments before I sign up? Is it worth a call to Allstate to see if they will lower my rate?
     

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