JOPLIN, MISSOURI -- Progressive is wonderful, until you need them in a disaster situation or when you need them to refund your money after they make a mistake with your account. I have been with them for almost 8 years and until this past year have been satisfied with them. When joplin mo got hit with the tornado, It took forever for a response, we had to deal with an adjustor that was a jerk, it again took forever for an approval of the estimate and for them to cut a check for vehicle repairs, reps were rude and misinformed about policies, and it became tiresome dealing with them along with everything else going on. Also, when they failed to move an auto draft I requested them to change, they sent through and autodraft when there was no money to cover it, and it caused several items to go into overdraft. Thankfully I have overdraft protection, but they still will not reimburse me the fees there mistake caused. When you need them, you cannot count on them. From now on I am staying local with my insurance with an agent that is personable and cares. Apparently Progressive has gotten so big they have forgotten the daily struggles of there customers who have made them the multi million dollar company they now are. I don't know............maybe there too broke to refund my money.