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Gjac

Milford, CT

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Posted: 02/03/18 01:52pm Link  |  Quote  |  Print  |  Notify Moderator

I have had Progressive for 16 years now, and went with them also because they were substantially cheaper. Rates have not gone up much, and have had mixed results with 2 claims. The first was handled very well in Ohio and the agent was very helpful getting the MH into a repair facility and fixed within a week. The second claim which happened in Montana last summer took 3 months to get the MH fixed and back home. The agent was not very helpful or knowledgeable which contributed to the problem.

msmith1199

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Posted: 02/03/18 11:10pm Link  |  Quote  |  Print  |  Notify Moderator

I have progressive and I've never had a claim. My rate kept going up for a while until I called and asked why. Since I had been with Progressive since I first purchases my motorhome, I got full purchase price replacement on it. What I didn't realize is Progressive keeps that coverage forever. I paid $155k for my motorhome and some 10 years later it was still insured for $155k in the event of a total loss. Turns out that coverage gets expensive the older the motorhome gets. It's nice coverage to have but it only pays off if you have a total loss of the motorhome. So I convinced them to reduce my coverage to the amount of the loan balance. That was a few years ago.


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msmith1199

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Posted: 02/03/18 11:13pm Link  |  Quote  |  Print  |  Notify Moderator

But on a related subject, be very careful about jumping around from insurance companies. It's great that you never had a claim and as long as that stays that way you'll be fine. But what happens when you do have an at fault accident? One of the first things the insurance company looks at is how long you've been a customer. And that length of time will determine your punishment. And your punishment can be anything from rate increases to cancelling your policy. The longer you've been with them, the less your punishment may be. If they see you change insurance companies every couple of years they may just cut their losses and dump you. Then good luck trying to find insurance again at a reasonable cost.

msmith1199

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Posted: 02/03/18 11:16pm Link  |  Quote  |  Print  |  Notify Moderator

T18skyguy wrote:

Ten years ago I insured an old Goldwing motorcycle with Progressive. One month later the engine blew(fatal), so I took it off insurance. The very next day, the DMV asked for proof of insurance for my many other vehicles. What happened was Progressive thought I did it for the proof of insurance, so they squealed to the DMV. The DMV never told me, but I knew it was them that sprang that audit on me. Of course all my vehicles are insured, but I won't forgive that dirty trick they pulled on me.


It's very possible they were required to report you. Insurance companies are heavily regulated.

Dutch_12078

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Posted: 02/04/18 07:02am Link  |  Quote  |  Print  |  Notify Moderator

msmith1199 wrote:

T18skyguy wrote:

Ten years ago I insured an old Goldwing motorcycle with Progressive. One month later the engine blew(fatal), so I took it off insurance. The very next day, the DMV asked for proof of insurance for my many other vehicles. What happened was Progressive thought I did it for the proof of insurance, so they squealed to the DMV. The DMV never told me, but I knew it was them that sprang that audit on me. Of course all my vehicles are insured, but I won't forgive that dirty trick they pulled on me.


It's very possible they were required to report you. Insurance companies are heavily regulated.

Exactly... In most/all states where vehicle insurance is mandatory, insurance companies are required to report cancellations to the DMV. No "dirty tricks" involved, just adherence to the state regulations. I was subjected to an insurance audit years ago when I switched carriers in conjunction with a vehicle/plate change. A DMV software glitch prevented the new policy info from company A from overriding the cancellation from company B, triggering the audit.


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msmith1199

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Posted: 02/04/18 04:06pm Link  |  Quote  |  Print  |  Notify Moderator

He said this was 10 years ago so things were more manual back then too. Now (at least in California) the insurance company and DMV computers are all linked together. DMV knows instantly if you lose or cancel your insurance. So he wouldn't have had to be audited on the other cars, as they would already know if they were insured or not.

NCC-1701

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Posted: 02/11/18 10:40am Link  |  Quote  |  Print  |  Notify Moderator

I had Progressive for Auto, RV, Boat, and ATV for many years. I was considered a "diamond" level member. No claims over all that time except a couple of windshield chips fixed with the injection fix. I always called them the "Insurance Company I Loved to Hate." Rates were always very competitive, but I had bad experiences.

One was their program where you plug their device into your vehicle so they can monitor your driving. In theory, they say your rate cannot increase as a result. Half way through the program we got congratulatory emails stating that both vehicles being monitored were on track to receive a double-digit percentage decreases in the rate. Nothing negative was being seen on the monitoring except my wife worked midnights and they don't like nighttime driving...but her vehicle was still set to earn a 13% discount. At the end of the program, my vehicle got a 2% discount and my wife's increased almost 16%! We asked about the increase as one of the terms of the program was that your rate would not increase. They gave us some line about a general increase that was causing it and not the monitoring program results. Of course, since they would not give details, we had no way of knowing what caused the rate increase. I am convinced that half-way through the program they send those letters in an effort to keep those devices plugged in for several more weeks to gather information as there's no way that in just a few weeks we would go from percentage decreases in the teens to low single digit decrease on one and double digit increase on the other. Liars, plain and simple.

I also foolishly thought I would save some money and get their roadside assistance since it was much lower cost than the Goodsam program I always carried before. I had a rear tire blowout on my Class A and was safely able to get off the freeway to a parking lot. I called their roadside assistance number and, honest-to-God, the young lady on the other end literally did not know what a motorhome was. I had to describe it and exactly what I needed for a service. Even then, she was trying to send me to RV dealerships, not semi-type road service providers. I finally just hung up and called my son-in-law who does OTR trucking and he gave me the name and number for a regional service provider that was there within the hour and replaced the tire. Believe me, that Progressive program was cancelled the next day and before I pulled out of the parking lot I was in, I had gone online to Goodsam and reinstated my Roadside service with them!

The final straw with them is when my pickup got hit by a bushel basket size mass of breaker rock that came flying off a semi-hauling rock carrier coming toward me at high speed on a narrow two-lane road. The flying rocks took out the windshield and besides major body damage, including some impacts so great that they went all the way through metal, there were also scratches and dings from smaller rock pieces since some of the load of flying rock hit the pavement right in front of me, then shattered and bounced up. Their adjuster nitpicked every scratch and dent in my pickup, which was in near pristine condition prior to this. They refused to cover damage to the bumper facia which had dings and gouges through it, clearly made by the rocks. There was one gouge across my driver door that was about 9 inches long by 3/4" wide that they said was from someone keying my door...I know there was no damage on that door prior to this happening. Keying creates thin scratches, not a gouge 3/4" wide! Fortunately my body shop just fixed most of the things Progressive would not cover, but I still have a damaged bumper facia. That was the last straw for me with Progressive. Why pay if they won't cover the damage fully?

My daughter told me she had just saved a LOAD by switching to Farmers. Since no one had ever beat Progressive's rates, I was skeptical, but across all my motorized insurance, on not only an apples to apples, but actually better coverage by Farmers in some cases, they beat Progressive by over $800 on my Class A diesel and personal vehicles...most all of that on my motorhome coverage. With homeowners included, which I had through another carrier that had never been beaten on price, my total savings went to over $1300 a year, which was over 20%. And another benefit is I actually have a local agent I can work with. I would highly recommend that anyone shopping for insurance of any kind be sure to quote Farmers.

PS. Someone else mentioned great service and rates from Foremost. Farmer's owns Foremost and my RV, boat, and ATV policy through Farmers is underwritten through Foremost.

* This post was edited 02/11/18 10:52am by an administrator/moderator *


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ferndaleflyer

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Posted: 02/11/18 07:47pm Link  |  Quote  |  Print  |  Notify Moderator

Had progressive for about 10 years om DP, Mercedes, F350, F150, and my Smart car Toad. 1 DP windshield, one awning, and one very minor accident and never an increase. I also pay by the year BUT the DP is for some reason on a different policy out of Tampa, FL

koda55

Jacksonville, Florida

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Posted: 02/11/18 09:48pm Link  |  Quote  |  Print  |  Notify Moderator

Just received my Progressive renewal notice. Last year it was. $509 this year $551. Even my car insurance with USAA went up this year. No accidents or tickets.

ArchHoagland

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Posted: 02/12/18 06:36pm Link  |  Quote  |  Print  |  Notify Moderator

koda55 wrote:

Just received my Progressive renewal notice. Last year it was. $509 this year $551. Even my car insurance with USAA went up this year. No accidents or tickets.



I wonder if it's due to the hurricanes?


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