Progessive Auto Insurance

[eht13]

Originally Posted by Kal-El

New Hampshire also doesn't require people to wear seat belts or wear helmets on motorcycles. Pretty scary stuff. They basically govern by their mantra "live free or die". Well, you'll be dead all right.

Exactly, it's a very weird approach for a state government to take. I didn't realize this extended to their laws (or lack thereof) regarding insurance and responsibility for accidents, but I'm not totally surprised.

As to the original question of the thread... I guess you have to decide whether you are OK with Big Brother watching you in order to save some money. Not to sound paranoid, but that would be a weird feeling, even if you know you have nothing to hide. I guess the other thought is that you would be constantly having to prove your worthiness to them... whereas with most insurance you only have to "prove" it to them in the form of no tickets or accidents of your fault.

[bronsin]

Yes you can always drop it, no charge. You really need to be driving less than 9000 miles a year to get any savings. Also if you drive between 12- 6am forget it. But its fun seeing all the data online.

[parts_oracle]

Originally Posted by texkid

Have you had any problems with their customer service or claims department? I just want to gauge their customer relations.

My husband and I have been with Progressive for around 8 years and last year he was hit by a red light runner also insured by Progressive. I can't give you too many details as the case is still pending in court, but it has been an absolute nightmare! I would never recommend Progressive to anyone. Once this whole thing is over I too will be looking for a new insurance company.

[silver_echo]

my wife was rear ended by someone on progressive and it took us two years to get it resolved, and even then, it was only marginally more than the various medical bills, and lawyer fees... their adjuster actually said "i'm not paying for any soft tissue injuries, as those are all crap anyway"

[texkid]

Originally Posted by parts_oracle

My husband and I have Progressive and last year he was hit by a red light runner also insured by Progressive. I can't give you too many details as the case is still pending in court, but it has been an absolute nightmare! I would never recommend Progressive to anyone. Once this whole thing is over I too will be looking for a new insurance company.

I would have to say that every time I have seen two people get into an accident who have the same insurance carrier have ALWAYS run into problems. The same crap happened to my cousin. Her Camry was rear-ended by some dufus on the cell phone. They both had Allstate. Yeah, they immediately paid for her rental-car, but took over a month to finally say that there were going to salvage her car and give her a new one and leave the other guy high and dry. She looked further into it and find out that it took so long because they were trying determine which car to salvage without costing them too much money.

Originally Posted by silver_echo

my wife was rear ended by someone on progressive and it took us two years to get it resolved, and even then, it was only marginally more than the various medical bills, and lawyer fees... their adjuster actually said "i'm not paying for any soft tissue injuries, as those are all crap anyway"

What happened to your wife was messed up. Although from a medical standpoint, I would have to agree that soft tissue injuries (sprains, strains, repetitive tissue injury, etc) are of "less concern" than other major trauma. I say "less concern" because on paper the adjuster/lawyer/doctor will downplay it, but the actual experience and PAIN that a person goes through can never be described on paper which sucks. Nonetheless, your wife didn't deserve that treatment from the adjuster.

[tomato]

Originally Posted by Forrest

If you go with this 'black box' and you do not 'pass' the safe driver marker...does the insurance drop you? Does this reflect on future rates if you do not drive accordingly with OTHER insurance companies? Sounds like a conspiracy and if info is shared, your rates could go sky high unless you drive perfectly.

Good point on sharing the info.

To the OP:

Personally, I wouldn't do let someone stick a tracking device to my car, on principle, but I'm much older and already have a long driving record and I've been with AllState for a long time, so they give me pretty good discounts.

Interesting thing, though, they dropped the "economy" discount since I bought the Yaris (I'm with Allstate). If the Yaris isn't an economy car, I really don't know WHAT they consider an economy car.

[silver_echo]

progressive's "adjusters" aren't even really adjusters... just idiots with a college math degree, and 99% of the time, NO AUTO EXPERIENCE... just pisses me off... when i was with esurance, they used an independent adjuster who spent 20 years in auto body... however, one cannot say enough about a name branded carrier that has a local agent... someone that you can talk to if you have a question, someone to whom you are more than just a number...