Progressive Auto Insurance Complaint - Progressive Generalizes
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 went 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 there 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.