LIMA, OHIO -- Progressive bases my insurance rates according to the population and number of accidents in the area where I live.(This was told to me by a Progressive Rep.) I had two accidents within one year and neither of them were my fault. My rates increased. How could this happen if I was not at fault? Progressive says I am rated on my frequency to be in accidents as well. So, according to Progressive, everyone is rated on the number of accidents that happen in their area. If you happen to be in two or more of those, you also show a frequency of being in accidents and you are charged more for insurance by Progressive regardless of if you were at fault or not. A co-worker told me that this is the same company that charges you higher rates if you have bad credit, even though you have never missed a payment to them. I guess Progressive knows that you are a bad driver if you have trouble paying your bills. I honestly feel that I would rather share the road with somone that pays for insurance every month before they make their credit card payment. They may not have enough money to pay both, but at least they are responsible to the other drivers. People with bad credit and no credit should not be penalized with higher rates as traffic offenders are!