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#4698711 - 03/18/18 02:33 PM yearly insurance renewal-progressive vs auto owner
volk06 Offline


Registered: 10/04/10
Posts: 4853
Loc: Midwest
I use an independent agent for my insurance needs (home, auto, umbrella). I price check every year and if its less than $100/year I typically don't bother with it. However, every 2 years I do an in-depth review and search. I priced with another independent agent this year - just to make sure my agent is doing the best job for me. They actually came back pretty close and recommended the same company. No accidents or tickets.

I will be switching from Nationwide, who I've been with for the past two years, due to rising premiums. I will be saving ~$350/year due to switching. The question is, apples to apple for the most part on coverages the choice is between Progressive and Auto Owners, they're only a few dollars different.

Has anyone used either of these companies and would like to share your experiences? Leaning towards the auto owners because the umbrella seems to extend a bit more, is more flexible, and they have been ranked highly from JD Powers (even with as little faith as I normally put into those type of surveys).They also just seem to have a bit more coverage items and perks built into the insurance than progressive.
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2011 F-150 Ecoboost
2012 Focus S
2001 Taurus

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#4698718 - 03/18/18 02:39 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
laserred96gt Offline


Registered: 03/03/13
Posts: 860
Loc: Florida
I don't have any experience with either, ive been with geico for years and premiums keep going up every 6 months that I pay it. We've been ticket and accident free. I will be shopping in the fall but my take is that once they reel you in, they slowly increase your premiums.
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96 Mustang GT: Castrol Edge 5w50
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#4698719 - 03/18/18 02:40 PM Re: yearly insurance renewal-progressive vs auto owner [Re: laserred96gt]
volk06 Offline


Registered: 10/04/10
Posts: 4853
Loc: Midwest
Originally Posted By: laserred96gt
I don't have any experience with either, ive been with geico for years and premiums keep going up every 6 months that I pay it. We've been ticket and accident free. I will be shopping in the fall but my take is that once they reel you in, they slowly increase your premiums.

That's why I like to use a company where you can lock in a yearly premium. So much nicer than dealing with it every 6 months.
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2011 F-150 Ecoboost
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2001 Taurus

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#4698721 - 03/18/18 02:48 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
Trav Offline


Registered: 11/20/06
Posts: 18209
Loc: MA, Mittelfranken.de
I think it varies State to State, here in MA there is very little between companies because of crooked political insurance regulations.
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#4698725 - 03/18/18 02:53 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
JTK Online   content


Registered: 08/14/03
Posts: 10412
Loc: Buffalo, NY
Same in NY. Premiums go up 5-10%/year. If an agent does reach out to you, they seem to quote a price no one else can get, then it slowly goes up year after year.
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#4698732 - 03/18/18 03:03 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
Stevie Offline


Registered: 11/08/04
Posts: 137
Loc: Port Aransas, TX
Progressive is a very good company. Fixed my wife's car when some wild hogs ran out in front of her car and almost totaled it. They took good care of use in every way. When I went to write the check for the deductible, they said don't worry about it! Not sure if that was Progressive that did that or the body shop that ate the deductible.
Geico also has great rates and great service. They saved me a lot on my new car rates. I have them now. Use Progressive on my motorcycles.

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#4698810 - 03/18/18 04:20 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
Oldtom Offline


Registered: 07/05/14
Posts: 293
Loc: Maryland
I hate Progressive and dumped them recently. My wife was parked at a local ice cream stand. Her car was legally parked, engine off. Some idiot backed up into my wife's car and dented the plastic front bumper. I can think of no more clear cut case of " The other driver was at fault " Progressive dithered and delayed until I had a profane meltdown with one rep, who then actually helped solve the problem. Most Progressive reps cannot or will not help and repeatedly transfer you into the PHONE QUE WASTELANDS, where they hope you hang up. Aside from that one $200 accident, neither my wife of I have had an accident, claim, or moving violation in 17 years, yet the yearly rates kept going up.

My advice? Stay away from Progressive (delay tactics) and Enterprise Rentacar (discovered damage scams)

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#4698820 - 03/18/18 04:25 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
CKN Online   content


Registered: 10/14/14
Posts: 3622
Loc: Utah
It's not uncommon for insurance rates to rise 5% to 10% a year.

For those who have had their rates lowered (for driving the exact same car-under the same exact miles, circumstances, etc.) please chime in.

There won't be many.

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#4698876 - 03/18/18 05:28 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
CKN Online   content


Registered: 10/14/14
Posts: 3622
Loc: Utah
On the above post-it should read "with your existing insurance company".

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#4698911 - 03/18/18 05:59 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
nickaluch Offline


Registered: 10/04/08
Posts: 331
Loc: Long Island,nassau county NY
I just shopped around my homeowner's insurance. $340 a year cheaper. Not shopping around car insurance have 5 points on my license insurance company doesn't know about so staying put for now.
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2007 G6 beater.2012 E450 box truck. 2018 Chevy Traverse.2017 E450 box truck.2017 Chevy 3500 extend cargo van.

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#4699009 - 03/18/18 07:36 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
Brybo86 Offline


Registered: 10/08/11
Posts: 2903
Loc: Chicago, IL
I have progressive 1 year term, $864, 2 cars full coverage
It went up $20 since last year


Edited by Brybo86 (03/18/18 07:37 PM)
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01 Kymco People 50
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#4699029 - 03/18/18 07:52 PM Re: yearly insurance renewal-progressive vs auto owner [Re: volk06]
Linctex Offline


Registered: 12/31/16
Posts: 5603
Loc: Waco, TX
I have Texas Farm Bureau insurance.

Every state has a "Farm Bureau" - - - check with them.

I have my vehicles (full coverage), tractors, tools, shop, RV, and the whole ranch with them for about $1200 a year (Except the Harley-Davidson is with Dairyland at $58 for 12 mos, liab only).

Nobody could touch that rate with a 10 foot pole!
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