Post # 1
I’ve had Progressive for about two years. The rates are the lowest around, but luckily I’ve never had to file a claim. FI is currently on State Farm insurance, but the rate is $70 more per month than Progressive is charging (this is after we’re married and combine our policies). FI is VERY leary about Progressive and how they’ll handle claims. Pretty much, mommy has ALWAYS had State Farm, so they must be the greatest insurance company on God’s green earth!
Have you ever had to file a claim with Progressive? How did they handle it?
Post # 3
I work in insurance. My biggest two pieces of advise are as follows:
avoid State Farm at all costs
avoid Mercury at all costs
Post # 4
My friends had or have Progressive. Their car was broken into & stuff was stolen out of it. Progressive was kinda slow, but they did reimburse them for what was stolen. However, the stolen items were recovered a few weeks after that (by the cops, not insurance) & the insurance agency just threw it away! They didn’t even let my friends know. My friends heard from the cops, it went to the insurance company, my friends called the insurance & didn’t hear anything back, so went to the insurance office the next day & it was already thrown out. Usually when stolen stuff is recovered, they’ll re-sell it to you for like 50% off. They were very bummed & frustrated because they’d rather have the stuff than the $$. One item was a custom made thing my friend spent many weeks on & it just got thrown away. I don’t know if it was Progressive’s policy to do that, or if it was just the office. However, that turns me away from them plus Progressive was more expensive than State Farm for me. I love State Farm too :).
Post # 5
I’ve had progressive for several years and I love them! I’ve never had to file a charge though.
Post # 6
@Meowkers: Why should I avoid State Farm? My agent is super nice & friendly & helped me out quite a bit when I had issues with another insurance group.
Post # 7
@Meowkers: I worked for State Farm for 6 years, and honestly they are one of the best companies around, I am curious to know why you say that with no explanation.
Personally, i would never use Progressive or Geico. They were too quick to deny claims, and force people to use their own policies to get damage fixed. Also, my husband used to work at a shop that had a Geico and Progressive office right int he same complex, and they were notorious for wanting to replace things with questionable junkyard parts, or try to fix things rather than replace, when it really needed to be replaced. Just one of the reasons that he ended up leaving there, because he was losing money by not getting paid what he should cuz the companies didn’t want to replace what needed to be done.
Just remember, they are a lot cheaper for a reason!
Post # 8
Thanks for the feedback, ladies! Keep it coming!!
How about Allstate??
Post # 9
@canthugallcats: PM and I’ll explain about State Farm.
Post # 10
I hate Progressive. I LOVE State Farm.
Post # 11
Allstate’s car insurance is good, but I wouldn’t get their homeowner’s insurance, at least in MD (not sure how it is in every state). They have a “tropical cyclone deductible”, which basically means if there is any type of named storm that comes through and damages your house, then you have to pay either 3 or 5% of your coverage amount (ie your house is isnured for $200k, you would have to pay either $6k for a 3% ded or $10k for a 5% ded before they will pay out anything).
Post # 12
I love Progressive. I’ve never had to file a claim but get this – I switched from Geico, who increased my rate every 6-months, to Progressive, who, after just 6-months with them, decided to DROP my rate! I didn’t ask for it and I didn’t hit any milestone that would call for a decrease. No complaints here!