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Old 02-10-2008, 07:22 PM   #1 (permalink)
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Progressive Insurance very disturbing!

I called Progressive to see what insurance would be on a new '08 RG. My record blah, blah is perfect. Anyway the Ins for a new 08 would be 150 bucks cheaper than my 04. That don't make no sense I got my original policy direct from Progressive, so you thinK you're getting the best deal

$700.00 for my '04.

Called an Agent...got better coverage for $325.00 both for a year.(through Progressive)

Called Progressive back and told them the dealio, and they said they wrote Insurance through 2 diff. companies, and that my original Insurance was through progressive "direct", and the new lower quote was through "Progressive", I said what's the diff? They said diff. companies cause of California and all that. ( Whenever someone is screwing you it's because I'm in CA)

I told them I wanted some $$$ back for sticking it to me for the past year or so, and they told me to pound sand. Anyway...though some of you might find this interesting.
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Old 02-11-2008, 09:55 AM   #2 (permalink)
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I pay $668.00 for full coverage on three bikes, and $5,000.00 in acc. coverage on each bike per year through Formost.

I tried to get a Quote from Progressive and they wanted somewhere in the neighborhood of a 2 grand to match what I have, I told them to stick it, and stayed with formost.
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Old 02-11-2008, 10:05 AM   #3 (permalink)
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back to the drawing board...
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Old 02-11-2008, 10:15 AM   #4 (permalink)
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This will differ from state to state, but I got the best deal from GEICO here in Georgia. Progressive still has my car insurance because nobody can touch them there, but GEICO gave me the same coverage for half the cost. I have full coverage on two bikes and pay around $700 per year.
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Old 02-11-2008, 10:23 AM   #5 (permalink)
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Interesting...here's my story and it's a little like yours:

When I traded in my '05 Suzuki for an '07 Road King I was insuring the suzuki with Progressive. I got quotes with Progressive online and via phone to just keep my same policy but replace the suzuki with the new harley. It seemed the new premiums were kind of high.

My salesman at the HD dealer told me to go with Harley Insurance. He mentioned that Harley uses Progressive, but through Harley it might be chaeaper. Huh? I was confused, but I gave it a try.

Getting Progressive through Harley saved me over $200 a year!
My proof of insurance and all my insurance contracts/documents still read Progressive, but I went through Harley and saved some money.

When I questioned a Harley rep and then a Progressive rep about this issue, they both said the same thing: They claim that because Harley has an agreement with Progressive the customers going through Harley usually get better rates than someone just going directly to Progressive.

Progressive was far cheaper than anyone else even before the $200 savings going through Harley so my choice was easier after the discount.


So, keep that in mind...
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Old 02-11-2008, 04:59 PM   #6 (permalink)
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I went through HD insurance too but the company name is Markel. I don't remember exactly what I pay but it's pretty good and is actually lower than last year with more coverage.

You just have to shop around.
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Old 02-11-2008, 05:34 PM   #7 (permalink)
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The point was not finding

the cheapest insurance, it was that Progressive said they had two companies. One was progressive direct through the internet, and one is Progressive that you can get through an agent at half the price!! To me, that's fraud.

If the consumer thinks they're getting the best deal Progressive offers...it should be the best deal progressive can give you. Instead their margins are better if you contact them directly. They write the policies through two different Companies.

I'll be contacting the Insurance Commissioner...
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Old 02-11-2008, 05:56 PM   #8 (permalink)
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It's not fraud since they are using multiple underwriting companies. They event state that in their site http://www.progressiveagent.com/term...x#underwriting


Look at how many there are that are authorized to work in your state


Policies are underwritten by the following companies within The Progressive Group of Insurance Companies:

Drive New Jersey Insurance Company - NJ
c/o CT Corporation System, 820 Bear Tavern Road,
Ste 305, West Trenton, NJ 08628
Progressive American Insurance Company - FL
4030 Crescent Park Drive, Bldg. B, Riverview, FL 33569
Progressive Bayside Insurance Company FL
4030 Crescent Park Drive, Bldg. B, Riverview, FL 33569
Progressive Casualty Insurance Company OH
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Classic Insurance Company WI
c/o CT Corporation System, 8025 Excelsior Drive, Ste. 200, Madison, WI 53717
Progressive County Mutual Insurance Company TX
1124 South IH 35, Austin, TX 78704
Progressive Gulf Insurance Company MS
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Hawaii Insurance Company OH
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Michigan Insurance Company MI
46333 Five Mile Road, Ste. 100, Plymouth, MI 48170
Progressive Mountain Insurance Company CO
2075 Research Parkway, Ste. A, Colorado Springs, CO 80920
Progressive Northeastern Insurance Company NY
1200 Veteranís Memorial Highway, Ste. 100, Hauppauge, NY 11788
Progressive Northern Insurance Company WI
c/o CT Corporation System, 8025 Excelsior Drive, Ste. 200, Madison, WI 53717
*Progressive Northwestern Insurance Company (C.A. # 6350)
6300 Wilson Mills Road, Mayfield Village, OH 44143 State of Domicile: OH
Progressive Preferred Insurance Company OH
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Security Insurance Company LA
2450 Severn Ave., Ste.ís 102 & 200, Metairie, LA 70001
Progressive Southeastern Insurance Company IN
c/o CT Corporation System, 251 East Ohio Street, Suite 1100, Indianapolis, Indiana 46204
*Progressive Specialty Insurance Company (C.A. #5997)
6300 Wilson Mills Road, Mayfield Village, OH 44143
State of Domicile: OH
*Progressive West Insurance Company (C.A. #7756)
6300 Wilson Mills Road, Mayfield Village, OH 44143
State of Domicile: OH
* Companies maintaining a Certificate of Authority to transact insurance in California. The Certificate of Authority number (C.A. #) appears after the company name
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Old 02-11-2008, 07:12 PM   #9 (permalink)
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'07 Street Glide, Progressive through HD, $347/yr. Didn't seem too bad. My usual carrier, Erie, doesn't like to do bikes and wanted $679/yr.
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Old 02-12-2008, 02:03 AM   #10 (permalink)
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Progressive Insurance very disturbing! I think they're all disturbing.
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Old 02-12-2008, 09:41 AM   #11 (permalink)
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Quote:
Originally Posted by Buddha4 View Post
It's not fraud since they are using multiple underwriting companies. They event state that in their site http://www.progressiveagent.com/term...x#underwriting


Look at how many there are that are authorized to work in your state


Policies are underwritten by the following companies within The Progressive Group of Insurance Companies:

Drive New Jersey Insurance Company - NJ
c/o CT Corporation System, 820 Bear Tavern Road,
Ste 305, West Trenton, NJ 08628
Progressive American Insurance Company - FL
4030 Crescent Park Drive, Bldg. B, Riverview, FL 33569
Progressive Bayside Insurance Company FL
4030 Crescent Park Drive, Bldg. B, Riverview, FL 33569
Progressive Casualty Insurance Company OH
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Classic Insurance Company WI
c/o CT Corporation System, 8025 Excelsior Drive, Ste. 200, Madison, WI 53717
Progressive County Mutual Insurance Company TX
1124 South IH 35, Austin, TX 78704
Progressive Gulf Insurance Company MS
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Hawaii Insurance Company OH
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Michigan Insurance Company MI
46333 Five Mile Road, Ste. 100, Plymouth, MI 48170
Progressive Mountain Insurance Company CO
2075 Research Parkway, Ste. A, Colorado Springs, CO 80920
Progressive Northeastern Insurance Company NY
1200 Veteranís Memorial Highway, Ste. 100, Hauppauge, NY 11788
Progressive Northern Insurance Company WI
c/o CT Corporation System, 8025 Excelsior Drive, Ste. 200, Madison, WI 53717
*Progressive Northwestern Insurance Company (C.A. # 6350)
6300 Wilson Mills Road, Mayfield Village, OH 44143 State of Domicile: OH
Progressive Preferred Insurance Company OH
6300 Wilson Mills Road, Mayfield Village, OH 44143
Progressive Security Insurance Company LA
2450 Severn Ave., Ste.ís 102 & 200, Metairie, LA 70001
Progressive Southeastern Insurance Company IN
c/o CT Corporation System, 251 East Ohio Street, Suite 1100, Indianapolis, Indiana 46204
*Progressive Specialty Insurance Company (C.A. #5997)
6300 Wilson Mills Road, Mayfield Village, OH 44143
State of Domicile: OH
*Progressive West Insurance Company (C.A. #7756)
6300 Wilson Mills Road, Mayfield Village, OH 44143
State of Domicile: OH
* Companies maintaining a Certificate of Authority to transact insurance in California. The Certificate of Authority number (C.A. #) appears after the company name
OK Budda ...that's interesting. So the point is, why do they use one particular underwriter over another? When you contact Progressive, why don't they look at the pool and provide the best rate?

Bottom line is contacting Progressive directly is a hazard to your pocketbook.
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Old 02-12-2008, 10:52 AM   #12 (permalink)
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Hit the same wall with Progressive, they wanted like $1600 or something outrageous to insure my 07 FXDB. GEICO did it for about $334. Maybe they just use a random number generator for rates!

I want rid of Progressive for my truck next cheap there or not. They tried to rip me...
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Old 02-12-2008, 11:28 AM   #13 (permalink)
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Quote:
Originally Posted by HarleyComforts View Post
OK Budda ...that's interesting. So the point is, why do they use one particular underwriter over another? When you contact Progressive, why don't they look at the pool and provide the best rate?

Bottom line is contacting Progressive directly is a hazard to your pocketbook.


I do not know why they use mutilple underwrites? You claim that it's fraud. They clearly mention the use of several UW's. It is not their obligation to provide the "best" rate for you. You have the option to go with rate that they offer or go with someone else. All they would have to do is show ANY change in you status ie. FICO score and justify a differnt rate. If you feel that strongly contact the Insurance Commision and let us know how it goes.(not trying to be a smarta$$)

For ANY company if you don't get agood feeling get ing quotes form them how due you think you'll get treated processing a claim?
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Old 02-12-2008, 04:38 PM   #14 (permalink)
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Man you guys in California are really getting the shaft. I know location has a BIG part in costs.
$246 a year for full coverage on my 04 FLHT.
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Old 02-13-2008, 11:12 AM   #15 (permalink)
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Not allowed to use

Fico scores in California to determine rates. Also, I realize they don't have to provide the "best rate" that's whats troubling...They SHOULD because they can...also I didn't see any disclosures about various underwriting as I moved through their website...even so the average person would not know what that meant in relation to their rates.

As far as claims are concerned..several guys have had claims, and been very happy.

Thought about commissioner...got other stuff to do, but wanted to put forth this info
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