4 years ago when I first bought progressive, I chose the company because they gave off an honest impression. I knew that my rates would be high at first especially since I already had a fender bender on my record. As 2 and 3 years passed by without any decrease in my payments, I remained patient thinking it was because of the accident I had before joining them and eventually they would respect me as a valuable customer who always made his payments. After this infraction expired from my record I naturally assumed I would see a well deserved decrease in my premium when it renewed. I did not however and that prompted a customer service call to find out why.
The lady I spoke with was very nice and professional, (kudos to her) she figured out a way to cut my premium by eliminating some excessive coverage. She took me down to the minimum legal coverage amount of liability and my premium was lowered over $150. I was very happy after and progressive was at the top of my list.
3 months later my policy was renewed. I was shocked to find my premium cost had gone right back up to $700, worse so because my coverage remained at the lowest amount. I was paying the same amount 6 months before for higher coverage options. This of course prompted another call.
I had to seriously probe the reason for the bill hike up from the guy I talked to. He eventually spilled the beans. He told me it was probably increased again because I had bad credit. He was right, later in the year when I checked my credit report the few companies that searched for my report included progressive. This company completely generalizes you. There statistics tell them that people with bad credit are bad drivers.
In all honesty even though I have bad credit I am a good driver. I had one fender bender in 2005 and have never got a speeding ticket. I can barely help the fact that I have to pay my rent and bills and don't make enough to pay off my debt. This has recently changed and for 6 months I have been working 2 jobs all day and night to barely get ahead. I am slowly repairing my credit now.
This to me though is incredibly shady and bad business practice. I only have a couple months left to pay these corporate jerks and I'm doing my research to find another institution that is in no way related to Progressive.
Have you seen their new lame commercials. One of them even says " do you own a house? discount" bla bla bla.
I am hoping the bad karma of this policy will float there way soon and they lose all the poor people paying extra for the wealthy people to get discounts. This is very bass ackwards.
RIDLEY PARK, PENNSYLVANIA -- A strong word to the wise...be prepared to 'reap the whirlwind' if you ever have to rely on Progressive for any accident claim. I signed up with them almost a year ago at the behest of my agent. They never had any issues with me paying my premium up front and in full and in adavance. However, I was recently involved in a minor accident where another car veered into my lane while I was attempting to pass. Though the police inferred I was at fault, I am in the process of contesting that. But...my complaint deals with another dimension entirely. The accident in question transpired away from home. I reside in PA but make frequent visits to NJ owing to the fact my friends and family are based there. It was during such a visit this accident transpired. When I went to make a call regarding the accident claim, the Progressive agent took the required information and stated that a claims adjuster would be contacting me the next day and also asked for a secondary number to reach me. I specified a time and a place to do so since I was away from home. Turns out the adjuster called at a time of their choosing and contacted my father's residence. He had no idea who was contacting him and was asked by said adjuster of my whereabouts. My father mistakenly stated that 'he lives here'(in NJ) as opposed to my residence in PA owing out of confusion and that I do spend some of my time in NJ (including working there in the summer). This aroused the suspicions of the adjuster and I contacted him at his behest. Thinking he was eager to get my information regarding the accident, it ended up turning into an 'interrogation session' questioning the validity of my residency in PA! I told the adjuster that I was a bona fide resident of the address of which my policy was registered to and that my father owned the house of which I along with my grandfather reside in. I relocated there about a year ago to help him out and established my residency there, and of course I am licensed and insured in the state of PA. However, since I make frequent visits to my former residence in NJ(I have 2 friends who rent an apartment there I used to room with and stay with from time to time)as well as my parents and siblings, I am now under suspicion of being a valid resident of my primary residency! The adjuster was rude, abrupt, snarky, and dismissive...and inferred that he would conduct a 'thorough' investigation of the veracity of my residency. After so much of this, I told him that we were supposed to be discussing my accident and not of this nonsense of where I resided! That portion of the conversation was almost an afterthought. The rep concluded I would be found at fault(the other driver struck my rear without using a turn signal or braking)AND stated that if no 'sufficient' proof could be established of my residency in PA, I would be liable for any damages if found culpable. Ludicrous! Also, at the very least, I am likely to be dropped for 'garaging'(don't worry, after such a hostile reception I *WILL* be dropping them in any event). Regardless of how things turn out, I plan on spreading the word of the substandard, abrasive, and devious tactics this company has deployed. Forget the lure of low rates. When push comes to shove, Progressive becomes Oppressive.
To date, Progressive dispatched several certified letters to my former address in NJ as well as merely 2 such letters at my primary residential address. I have been traveling for the last couple months and have not been home often. Imagine my surprise to find in said letters: “as a result of not cooperating with our investigation process (I already informed them of all pertinent information) we have decided to deny you any and all coverage regarding this accident". Then,
they mention something regarding ‘total costs to date’ using some form of convoluted process of calculation bringing me a bill for just shy of $3000. Amazing! These expenses weren’t even
itemized and contained no explanation of their basis. The car that was damaged in the accident
(the one that struck me to begin with)is an older car that sustained minor damages and is not even worth more than $1500 at best according to the Blue Book Value. And that is what is generally used as the basis of providing a deductible.
I intend to challenge this organized band of crooks to the best of my ability. “Caveat Empor” applies to any and all who deal with Progressive.
ALBUQUERQUE, NEW MEXICO -- Progressive has what may be the most outrageously incompetent customer service I've ever experienced. Over 9 personnel transfers today, almost 4 hours on the phone, and after 7 years being with them I've come to my wits end.
It all started with leasing a new car in December. I added the new car to my Progressive account. They faxed verification of account to the dealership so that they would hand over the keys. Now 4 months later, I find out the car was never added, there is a warrant out for me for driving without insurance, and attempting to resolve the issue with Progressive supervisors was fruitless. There are plenty of unworthy places to do business with. Perhaps Monsanto and Halliburton are at the top, but after today, I'd place Progressive close to those ranks.
DENVER, COLORADO -- I've been a Progressive customer since 2002 and have comes to terms that with this insurance provider loyalty, and exceptional driving record and good credit mean nothing. Previously, I shared a policy with my son and before the recent increase we were paying $236.00 per month for one full coverage vehicle/one liability coverage vehicle; which was still okay, I thoughtâ€¦ About four weeks ago, I received a notification of a $60 increase with no reasoning why other than â€śrate increasesâ€ť. I knew then I needed to start shopping around and since my son purchased himself a new vehicle we feared this was going to be an issue with cost.
Through Progressive his insurance on the new vehicle was close to $450 dollars, so he decided to part ways with Progressive purchasing coverage through Esurance for $300 dollars, $150 LESS! I thought, well good for him and looked forward to having him removed from my policy to bring down my rates of carrying a young driver with Progressive. Needless to say by removing his vehicle from my policy I was looking at an increase that would cost me $360 a month for just myself.
($360.00) No way! I asked why and was told that since I am taking a vehicle off my policy I lose the benefits of a lower rate. Unacceptable, plain and simple. So, today I cancelled my policy after 12 years. They did not care whatsoever which was disheartening. But on the flip side of thingsâ€¦ I called Esurance and for the exact same coverage and because of my driving record I was rewarded. Moving forward my insurance is $113.00, per month, again for the EXACT same coverage. So long Progressive, your high-priced policy won't be missed.
COLCHESTER, VERMONT -- I am EXTREMELY DISAPPOINTED in finding out that my rates have gone up because of some ** 'area rate increase'. When I signed up with your company I was quoted a fair price for my auto insurance. I now find my bill to be $10 more per month. I should not be lump summed into some category with other crappy drivers. I have an impeccable driving record, I pay my bills on time, and my payment and coverage should reflect that, not the driving habits of others in my area.
I will go ahead with this higher payment until my next 6 months are up. If I find that you have again raised my rate I will absolutely drop your insurance and I will report you to the Better Business Bureau as a company that misrepresents its promises to its customers. So much for good business practices in our world today.
DOUGLASVILLE, GEORGIA -- I have been with Progressive for over 3 years and have small accident forgiveness on my policy. Problem is their small accident forgiveness is for $500 or less. Anyone who has had an accident knows that 500 bucks will cover a scratch on car that's about it. Hit my neighbor in the door backing out of the driveway and put small dent in the door cost 1700 bucks! Now they've raise my insurance premium to $800 more and year. They tell you that they only keep accidents on your policy for 3 years instead of 5 like some of the others but if that's the case then I will end up paying them 2400 for the accident plus my insurance premium.
I am sick of all the fine print of these companies written purposely to screw you over in the event of you have to use their services that YOU ALREADY PAY FOR! This is ridiculous to have have to fight with the people you trusted with your business in the first place. Posting this rant on a forum doesn't do us any good maybe makes you feel better that it's out there for people to read but what is actually being done about these things? Time for the little guy to come out on top! If there is a site or forum that actually makes a difference on these things, please let me know!!
CHINO VALLEY AZ, ARIZONA -- Progressive has failed to meet their responsibility on an auto claim. Her client accepted responsibility for damages, but she has been uncooperative and rude to the parties damaged by her client's actions. Her client accepted responsibility from the beginning, at the occurrence of the auto accident, but Ms. has failed to represent her client and assist with the damages to the other party.
Avoid all contact with Ms. You will not be represented well. Progressive Ins, please dump this agent, as she represents you - and any other insurance BADLY, VERY BADLY! We tried multiple times to deal with her, to no avail... She is rude and uncooperative despite the fact that her client admits to fault, but due to he uncooperativeness, we continue to battle the issue of a small amount of damages. These damages multiply as her resistance and pain in the ass (extra hassle, time and energy to us) multiplies.
Ms. Patti, I will never choose to have you as an agent based on the performance you have shown. Anyone considering Progressive Insurance, OR Patti of Chino Valley, Arizona - DON'T DO IT!! We have firsthand knowledge of her lack of performance, rude attitude, lack of professional knowledge. DO NO DEAL WITH PATTI of Progressive Insurance, Chino Valley, AZ!! I stand behind these statements with personal knowledge and will back them up with facts.
GEORGIA -- My brother was travelling from FL to N GA to visit me when he was involved in a car accident that totaled his car in a small town 4 hours away from me (Friday before Vet Day). It is now 11/19 and he is still without a car, or even an insurance check. He has had Progressive for over 10 years and all of a sudden he no longer has his car rental insurance either. He never cancelled it. It took a week before his car was towed away for inspection. Where is FLO?
Needless to say, I cancelled my insurance from them and so will he when this claim is settled. Good thing I was ONLY 4 hours away. The town he was stuck in had no motels or car rental agencies. What would he have done if I had not been nearby (If you consider 4 hours to be nearby)?
MUNCIE, INDIANA -- I got a letter about a non-renewal notice and no explanation or reason why... I had purchased the roadside assistance thinking this was like AAA. Come to find out this is considered the same thing as filing a claim. After I called they said I had too many of them within 36 months. I am very furious with this company for not better explaining the conditions of this added feature, maybe raise my rate to cover the expenses. I would have even been happy with that. But to just cancel my policy after I had been with them a long time.
I have decided to switch to companies that care about customers first and offer services that work for us. I would have stuck with AAA had I known the nightmare this caused. I will never use Progressive or recommend this company to anyone.
MADISON, WISCONSIN -- I was rear ended by one of their insured motorist. The company does not return phone calls, they attach a claims adjuster to your claim and then no one else can help you except for that particular person. The supervisor is unavailable as well. I left several messages requesting a call back at work and they call my cell phone stating that they knew I wanted a return call at my place of work... really. Roxan was my adjuster and I hope I never have to work with Progressive ever again. Worthless insurance company. How is only out for money and not people.