snapshot by progressive.

[craveman85]

I just switched from GEICO to progressive. Went from 165 a month to 140 with the same coverage. I looked at rates for tons of companies and progressive was the least for me. I can't remember which company but one quoted me 389 a month. Then they called me to see if I was interested in purchasing the policy. I said no but in about 50 not so kind words.

[Frank Lee]

Originally Posted by redpoint5

Threaten to take your business elsewhere (and be prepared to make good on the threat) and you will be surprised what discounts you can get.

That's a good idea, and I did that but Regressive certainly did not care. They made me walk the walk.

[Xist]

It sounds like companies are more interested in obtaining new customers than retaining old ones. I just signed a new contract with Verizon, but wondered if I should have changed carriers for two years.

Verizon through Costco offered new phones for one cent, with a hundred-dollar credit, but only for new lines. They offered me the same phone for the "bargain" price of fifty dollars, without the additional credit. I did not feel that I had any reason to change carriers, but I probably could have had a better deal as a new customer elsewhere, and then Verizon would have had a better offer for me in two years.

[Cobb]

Yup, I switch between the 2 every 3 years as the rate creep makes the rate what the other guy was charging. One time they blamed my credit and told me to contact the credit agency. I had other numbers from working at a bank and got to speak to real people. Like you may already know, they report the business is the one who makes the decision, but they blame the credit agencys. They then blamed the 2 non fault accidents I was in. Sure enough they were on my record, but as non fault. DMV said they list all accidents, but they do not count against insurance.

[craveman85]

I know they hold no fault comprehensive claims against you. I had a truck burn back in 2012. Rates are definitely higher after that.

[Cobb]

In that event there is an assumption you can avoid being involved in an accident.

Originally Posted by craveman85

I know they hold no fault comprehensive claims against you. I had a truck burn back in 2012. Rates are definitely higher after that.

[The Other Andy]

Do you guys with Progressive go through agents? I've only noticed my rates decreasing, but my independent agent has switched me to different plans once or twice. I'm paying far less than I originally was.

[Cobb]

You have an agent?!?!?!? I just get letters, emails and pre-recorded messages. I call after I get the bill and they just say it is what it is.

[Mustang Dave]

Originally Posted by craveman85

I know they hold no fault comprehensive claims against you. I had a truck burn back in 2012. Rates are definitely higher after that.

I had an "at fault" property damage claim (backed into a lady's car in a parking lot) with State Farm in January, 2010. They paid the claim, didn't increase any of my premiums, and still gave me the "accident-free" discount when my next vehicle's policy was up for renewal. And continued to give me that discount.

[Cobb]

State Farm is on my --it list because of the ordeal I had with a loose trailer. A compliant to the BBB resulted in the BBB referring me to a few lawyers regarding the issue. They just paid for the rental car. I ended up calling my insurance progressive. Still they thought me every step. I had to provide photos of my car before the accident, after accident, when arrived at body shop and when it left there and arrived at body shop #2. Due to the hostile work environment the bank was I had all requested photos as Im use to covering my ass, reading my crystal ball, taking photos and other measures to prevent from being dragged under the bus. They ended up fixing everything and my next bill for 6 month premium went up 200 bucks.