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Progressive - Raising Rates For No Reason
Auto Insurance - Complaint
Review by notahcance on 2013-01-25
Rating: 
CUSTOMER'S MESSAGE
Subject: I have a question about my policy
Message: I have been with Progressive for many years. In that time I have not made a claim or received a ticket, yet my premium has increased the past two billing cycles. Explain to me why my premium is increasing and why I shouldn't just go elsewhere for auto insurance.
Dear -------,
The higher premium that you see is without the Paid in full Discount. If you pay the renewal premium in full the total amount due is $192.00.
Sincerely,
Debra H.
Progressive Internet Representative
To: Progressive
That's correct, and $192 is more than I have paid for a few years. Of course, being a customer service representative you should already know that. Is it too much to ask for an explanation as to why you are charging me more for the same product?
Dear -------,
Thank you for contacting Progressive. I appreciate this opportunity to assist you.
Many factors affect auto insurance premiums. […] Our total costs are going up due to:
- Bodily injury claims
- Medical claims
- Weather-related claims
- Regulatory requirements
These increased costs affect the premiums of all drivers, not just those who have accidents. [...] The results of our recent review indicated that it was necessary to increase our premium. […]
Thank you for choosing Progressive. We appreciate the trust you place in us.
Sincerely,
Claudia F.
Progressive Internet Representative
To: Progressive
So, according to your cut and paste response, after 7 years of paying around $1/day (more than $2500 total) for nothing more than an insurance ID card, you expect me, along with other good drivers, to pay more to cover other people's claims!? This is not group coverage, I will not pay more for Progressive's bad decisions. Applying another discount I should've already been receiving if eligible will not change the fact that I am paying more than I would have a year ago.
Will you lower my rate or would you prefer to not have my $1/day in exchange for a laminated piece of paper?
Dear -------,
We encourage our customers to compare Progressive's rates with those of other insurance companies. If you find a lower price elsewhere, we ask that you also consider the value and service you currently enjoy. […]
Sincerely,
Rochelle C.
Progressive Internet Representative
Subject: I have a question about my policy
Message: I have been with Progressive for many years. In that time I have not made a claim or received a ticket, yet my premium has increased the past two billing cycles. Explain to me why my premium is increasing and why I shouldn't just go elsewhere for auto insurance.
Dear -------,
The higher premium that you see is without the Paid in full Discount. If you pay the renewal premium in full the total amount due is $192.00.
Sincerely,
Debra H.
Progressive Internet Representative
To: Progressive
That's correct, and $192 is more than I have paid for a few years. Of course, being a customer service representative you should already know that. Is it too much to ask for an explanation as to why you are charging me more for the same product?
Dear -------,
Thank you for contacting Progressive. I appreciate this opportunity to assist you.
Many factors affect auto insurance premiums. […] Our total costs are going up due to:
- Bodily injury claims
- Medical claims
- Weather-related claims
- Regulatory requirements
These increased costs affect the premiums of all drivers, not just those who have accidents. [...] The results of our recent review indicated that it was necessary to increase our premium. […]
Thank you for choosing Progressive. We appreciate the trust you place in us.
Sincerely,
Claudia F.
Progressive Internet Representative
To: Progressive
So, according to your cut and paste response, after 7 years of paying around $1/day (more than $2500 total) for nothing more than an insurance ID card, you expect me, along with other good drivers, to pay more to cover other people's claims!? This is not group coverage, I will not pay more for Progressive's bad decisions. Applying another discount I should've already been receiving if eligible will not change the fact that I am paying more than I would have a year ago.
Will you lower my rate or would you prefer to not have my $1/day in exchange for a laminated piece of paper?
Dear -------,
We encourage our customers to compare Progressive's rates with those of other insurance companies. If you find a lower price elsewhere, we ask that you also consider the value and service you currently enjoy. […]
Sincerely,
Rochelle C.
Progressive Internet Representative
Comments:
Posted by trmn8r on 2013-01-25:
It's insurance, so yes, the pool of insureds to some extent will pay more if costs go up. That's the concept.
That said, some companies (like State Farm) and proactive about identifying high risk clients and finding ways to either charge them more or encourage them to go elsewhere. As a result, premiums for the good drivers and loyal customers don't rise that often. I don't believe Progressive is in the same class.
That said, some companies (like State Farm) and proactive about identifying high risk clients and finding ways to either charge them more or encourage them to go elsewhere. As a result, premiums for the good drivers and loyal customers don't rise that often. I don't believe Progressive is in the same class.
Posted by ok4now on 2013-01-25:
You're not going to win with these people. Insurance companies are a greedy bunch who want to suck every last dime out of you. They justify premium increases because costs are going up as you have illustrated. Did you notice that they conveniently left out one huge controllable cost? That would be the millions they spend on advertising to lure new unsuspecting customers in. Everyday I must see 20 plus commercials with Flo and her cheap wig and makeup job. This costs big bucks and you're paying for it.
Here's a better way. This is a business so don't have any loyalty to them just because you have been with them for years. If you file a claim they're real quick with a rate increase. As a customer be real quick to dump them and find a better rate. I know that it's time consuming but the savings are huge. Try Liberty Mutual and Amica. They are both excellent companies with low premiums and great customer service.
Here's a better way. This is a business so don't have any loyalty to them just because you have been with them for years. If you file a claim they're real quick with a rate increase. As a customer be real quick to dump them and find a better rate. I know that it's time consuming but the savings are huge. Try Liberty Mutual and Amica. They are both excellent companies with low premiums and great customer service.
Posted by leet60 on 2013-01-25:
I once moved across the street. As it happened one side of the street was in "Baltimore county" and the other in "Baltimore City". As a result my auto insurance premiums increased signifigantly and immediately - this with never having a claim, paying in full at the start of the policy term for years with the same company. As ok4now said you cannot win with insurers.
Posted by wjk898 on 2013-01-27:
Always shop around for a new auto insurance company after about 3 - 5 years. You'll almost always get a lower rate from the new one assuming no tickets no claims.
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