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yearly insurance renewal-progressive vs auto owner #4698711
03/18/18 01:33 PM
03/18/18 01:33 PM
Joined: Oct 2010
Posts: 4,928
Midwest
volk06 Offline OP
volk06  Offline OP
Joined: Oct 2010
Posts: 4,928
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.


2011 F-150 Ecoboost
2012 Focus S
2001 Taurus
Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698718
03/18/18 01:39 PM
03/18/18 01:39 PM
Joined: Mar 2013
Posts: 946
Florida
laserred96gt Offline
laserred96gt  Offline
Joined: Mar 2013
Posts: 946
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.


2017 4Runner Limited, 44k
04 E-150, 4.6, 231K, Synblend 5w20.
11 Camry 2.5, 63K, PU 5w20.
Re: yearly insurance renewal-progressive vs auto owner [Re: laserred96gt] #4698719
03/18/18 01:40 PM
03/18/18 01:40 PM
Joined: Oct 2010
Posts: 4,928
Midwest
volk06 Offline OP
volk06  Offline OP
Joined: Oct 2010
Posts: 4,928
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.


2011 F-150 Ecoboost
2012 Focus S
2001 Taurus
Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698721
03/18/18 01:48 PM
03/18/18 01:48 PM
Joined: Nov 2006
Posts: 20,570
MA, Mittelfranken.de
Trav Offline
Trav  Offline
Joined: Nov 2006
Posts: 20,570
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.


ASE L1, Master. Deutsch Meisterbrief.
Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698725
03/18/18 01:53 PM
03/18/18 01:53 PM
Joined: Aug 2003
Posts: 11,013
Buffalo, NY
JTK Offline
JTK  Offline
Joined: Aug 2003
Posts: 11,013
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.


2017 Ram 1500 4x4, 3.6L. 2016 Nissan Quest SV (Babe magnet IV)
Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698732
03/18/18 02:03 PM
03/18/18 02:03 PM
Joined: Nov 2004
Posts: 251
Port Aransas, TX
Stevie Offline
Stevie  Offline
Joined: Nov 2004
Posts: 251
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.

Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698810
03/18/18 03:20 PM
03/18/18 03:20 PM
Joined: Jul 2014
Posts: 374
Ceciltucky Maryland
Oldtom Offline
Oldtom  Offline
Joined: Jul 2014
Posts: 374
Ceciltucky 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)

Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698820
03/18/18 03:25 PM
03/18/18 03:25 PM
Joined: Oct 2014
Posts: 4,040
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 4,040
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.

Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698876
03/18/18 04:28 PM
03/18/18 04:28 PM
Joined: Oct 2014
Posts: 4,040
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 4,040
Utah
On the above post-it should read "with your existing insurance company".

Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4698911
03/18/18 04:59 PM
03/18/18 04:59 PM
Joined: Oct 2008
Posts: 386
Long Island,nassau county NY
nickaluch Offline
nickaluch  Offline
Joined: Oct 2008
Posts: 386
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.


2007 G6 beater.2012 E450 box truck. 2018 Chevy Traverse.2017 E450 box truck.2017 Chevy 3500 extend cargo van.
Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4699009
03/18/18 06:36 PM
03/18/18 06:36 PM
Joined: Oct 2011
Posts: 2,994
Chicago, IL
Brybo86 Offline
Brybo86  Offline
Joined: Oct 2011
Posts: 2,994
Chicago, IL
I have progressive 1 year term, $864, 2 cars full coverage
It went up $20 since last year

Last edited by Brybo86; 03/18/18 06:37 PM.

08 Honda Accord EX-L 2.4L M1 EP 0w20 145k
01 Kymco People 50
95 Lexus LS400 M1 AFE 0w30 193k
95 Yamaha Jog
Re: yearly insurance renewal-progressive vs auto owner [Re: volk06] #4699029
03/18/18 06:52 PM
03/18/18 06:52 PM
Joined: Dec 2016
Posts: 7,143
Waco, TX
Linctex Offline
Linctex  Offline
Joined: Dec 2016
Posts: 7,143
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!


"The evidence demands a verdict".
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