Progressive - Rates

My rates has increased, and was given an excuse that Wisconsin's cities recently had problems from the snow, and something else is the reason? I have not had an accident, or a ticket, nor have the other driver. I would like to know if this is a company that has a few complaints about their service? Also, are they just a broker company? I would appreciate your help.

My rates are raised because I do not have a good credit rating. This is distortion. The state demands I have insurance. My credit rating is not correct. In any case it has nothing to do with my buying insurance, not any more than my going to the store and buying peanut butter. I get the peanut butter if I pay for it, the same with insurance. I get insured if I pay for it. If not, I don't get coverage. The insurance companies make huge profits and this increased charge is not and should not be allowed. It's distortion. Also, it's distortion for a state to demand we have insurance and then companies like these profit without control.

I have sent my paper work to the insurance commissioner. They are working on it. I was driving on an icy road and the road curved, but the ice and snow covered it and there was a lip in the road if you went straight which you couldn't see and when your tire hits it, it will throw you across the road. This happened to me and a pick up truck hit the back of my car. People on that street has been after the city to fix this road for over 3 years. I also tried. They finally have fixed it. I sent a letter to the CEO of progressive and he sent it to the supervisor in Portland. He said I was exceeding the speed limit which was a lie. I was going slow. There has been head on collisions, mail boxes knocked off, car ports taken down, and the city did nothing. Now Progressive has put me at fault on my record and 4 points and doubled my insurance. I am fighting this since I have a clean driving record and I drove an 18-wheeler so I have millions of miles of driving experience. If it was a careless move on my part I will eat this but because it was the city's fault for not taking care of this road way back when, I should not be penalized. I have documentation from this area, pictures of the street, etc. I asked progressive to take the fault off my record and they won't so I will fight this for the rest of my life, if need be. I will not go away ever. My new insurance rate is more than I can pay. They are the worst of the worst. I may talk to an attorney, at some point.

I have been a customer of Progressive for many years for auto and home insurance. I received our latest renewal on our homeowner's insurance and they are imposing a price increase because of credit requirements. The home that we are insuring in this terrible current market value is worth $400,000.00 and is paid for in full. Both wife and husband have 800 plus credit beacon scores.

We use mainly only an American Express and pay the balance every month in full. We have no other credit card balances. We have a Visa card and a Target card that are barely used but when we do, the balance is paid in full immediately. We have a credit line that has a 0 balance that has not been used in over twenty years. Progressive is saying that we have too much credit available and therefore, a higher rate for our homeowner insurance is now applied.

They can kiss our perfect credit home paid for business goodbye!

I had liability insurance on a Mustang with coverage for several years with Progressive. I purchased a 2004 Mazda and added to my policy but had to add full coverage due to the loan I added on May 13. My renewal was on May 23rd. They told me it would be $233.48 then $178.13 after that, for 5 months. No problem. I then sold my Mustang and was able to cancel that liability coverage which gave me a $169.01 credit on policy.

I then had my first monthly payment of $178.13. Everything was going as I was told. Then I got a notice that my next month EFT was going to be $245.75 and $233.00 after that. Of course, I started looking at other companies and found that Nationwide would charge me $135.00 a month, for 6 months. I went ahead and got that coverage and then canceled with Progressive and they refunded a total of $37.29. That meant I paid $620.07 for 63 days of coverage on a policy that I was told would total $1124.13 for two vehicles then subtract the $169.01 for the second that I canceled due to selling$ 955.12.

I went to my local Progressive Office who tried to help me and was very professional. She called Progressive from her office and put me on the phone with them because when she had called to find out about my policy before I got there, even she was confused. I was told on the phone by the representative that I would receive no more refunds because they have a short rate which means, from what I understood, they charge you for the time you had the policy up to after, so they get what they determine they should get for your cancellation. Wow, the fine print that even their Independent Insurance agents aren't aware of.

I'm chalking this up to live and learn but definitely, I would not go back with Progressive.

Was charged $309 up front to bind coverage on my new car or almost 50% of the premium for 6 months. I was assured this was the best premium I could get. I was charged for things I told them I didn't want after I got the policy. Well I found that Geico could better their premium by almost $200 so I called to cancel "Progressives" policy. Well I found out there would be NO refund as it is the policy of Progressive to claim 90% of all unused premium with the other 10% going to the company who wrote the policy. In other words I paid $309 for 41 days of coverage.

I asked for and recieved a quote for auto insurance from Progressive and they preceded to tell me that after receiving their quote that it would cost me more because I was a VICTIM in two rear end accidents that were not my fault. I can see where you would pay more for insurance if you were AT FAULT, but not because you were the victim of the accident. What is going on with this?

They proceded to tell me that the state allows them to do this when they set their rates and that all insurance companies do the same thing. If that is the case, then we as consumers are getting ripped off and something should be done to stop it NOW. This is a flagrant gouging of the consumer and legislation should be set to immediately stop this unorthodox practice. We pay enough for insurance as it is, so why should we be penalized for being the victim in an accident?

I would like an answer to this as soon as possible so I may take it further to my state representative and state senator, even to the governor himself if need be.

Many states have no-fault laws under which each insurance companies pays for damages to their client's vehicle. Thus, the entire notion of fault is irrelevant in setting rates. Odd as it may seem, some people have more accidents than others and, logically, insurance companies charge those people more for coverage.

Auto insurance companies base their rates on a complex array of factors -- not only on driving record and credit history but also driver age, type of vehicle, place of residence, miles driven annually, whether the driving is mostly business or personal and so on. In the case of younger drivers, grade-point average is often a factor. Believe it or not, statistical models incorporating all this information are surprisingly accurate in predicting which motorists will crumple fenders and break bones in a given year.