Whats the deal with progressive insurance?

[commander bunnypants]

Are they anygood?


CB

[commander bunnypants]

1. kick

:kick:

CB

[reyd reid reed]

2. Meh...

they're not too bad. Reasonably priced, too.

:shrug:

[Common Sense Party]

3. They are just okay, if you have past violations or poor credit.

You'll pay extra because of that, but they will at least take you. Progressive is usually pretty good at servicing and handling claims.

If you have a clean driving record and good credit, shop around, because some insurance companies give MAJOR discounts for that--you're a good credit risk.

Go to a couple of INDEPENDENT insurance agents and ask them for competitive quotes. You'll be surprised by the wide disparities in premiums. It really pays to shop around.

[seemunkee]

4. What about if you have teens?

Actually a 20 year old college student with no car and a 17 year old high school student w/car?

[Common Sense Party]

6. Then you're screwed no matter who you go with.

Young drivers kill your premiums, no matter what.

I can't remember if Progressive was less expensive for younger drivers or not.

The 20-year old has no car? Don't put him/her on a policy, then. If the 20-year old is away at school and has no vehicle, save the money and put him/her back on the policy when he/she moves back home.

Again, I would encourage you to go to a couple of independent agents and have them run competitive quotes for you. They should be able to run quotes with 3 or 4 different good companies and get you the least expensive policy. Don't just decide, "I want to go with Company X" and ignore other options.

The main thing is: make sure you get adequate coverage. $100,000 comprehensive and $300,000 collision at least, $250K/$500K even better. Too many people try to skimp on their coverages, and then regret it when they get into a major accident and have their pants sued off because their insurance isn't enough to cover the other parties' damages.

[GoneOffShore]

5. Best I've had in years

And they are a "blue" company.

[nedbal]

7. Blue is why I switched to them about 2 years ago....

The progressive / drive agent wasn't used to people with good credit and one minor non-chargeable ding shopping around and asked why did I drop state farm and go with progressive, I told him politics. they DO look at credit scores to determine premium rates, In the end it was a wash for me when I first switched lower total for the one old car , higher for the motor cycle. After a year it dropped then I added a brand new car with collision / comprehensive coverage and the price was so low it amazed me.