One of the insurance companies I used to work for would not approve a homeowners policy if there was a bankruptcy within the last 7 years unless it was for a special medical reason.
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Anyone here using Progressive Auto Insurance?
- Thread starter Alkali Ike
- Start date
This past summer we spent a small fortune on the outside of our house. All the siding that needed attention was replaced, lead paint removed and properly painted with peel bond and paint that ran $120 a gallon, and new high end gutter system. The day we paid the final contractor off we get a letter from our homeowners insurance stating they have made a routine inspection of our home and if we didn't remedy some of the cosmetic issues on the exterior of our house they were going to cancel us.
This past spring we contacted them about ice dam issues and they denied there was anything wrong at all and weren't about to give us a nickel for any repair work. This was the only time they stopped by our home.
The only other time we contacted them was after a nasty storm knocked down 2 large trees, barely missing the house and destroying our new (2 month old) fence. They didn't stop by or pay a cent for that one either. Fortunately I am good with tools and removed the trees and rebuilt the fence myself.
Guess which insurance company has lost a client.
This past spring we contacted them about ice dam issues and they denied there was anything wrong at all and weren't about to give us a nickel for any repair work. This was the only time they stopped by our home.
The only other time we contacted them was after a nasty storm knocked down 2 large trees, barely missing the house and destroying our new (2 month old) fence. They didn't stop by or pay a cent for that one either. Fortunately I am good with tools and removed the trees and rebuilt the fence myself.
Guess which insurance company has lost a client.
I was with Progressive for 7 years, auto (car & truck), and homeowners, good driving record, no claims. They upped my rates and told me I "had to" carry my wife on my policy even though she does not drive either of my vehicles. I am now with another company.
That is normal policy for most auto insurance companies that they require all drivers in the household to be listed on the policy in the likelihood they might drive a vehicle.
Unrepresented
Something Borderline Offensive
Does it count if your car is both:
1) a manual transmission that is beyond the skillset of a sadly increasing number of Americans, including your partner?
2) so filled with dirtbagitude that your partner refuses to ride shotgun, let alone learn to pilot said auto?
I have no experience with Progressive, but I had a horrible experience with Allstate. I'd avoid them like the plague if I were you.
I had my car and apartment insured with Allstate for about seven years, and never had any claims. I came home one evening and came face to face with two thugs climbing out my back door, a third thug was waiting at their van in the alley. Because we interrupted them, they hadn't finished packing/preparing all of our worldly belongings, they only got away with some of my (ex) wife's jewelryher mother's wedding ring, her grandmother's engagement ring and a gold chain.
Being as the appraisal came to about $1,200.00, I told my agent that I wouldn't bother putting in a claim. My reason being was that after paying the deductible, I'd only get about $900.00and that my rates would go up. He assured me that being as I'd never had a claim, and it wasn't my fault that my place was broken into, that my rates wouldn't change.
Renewal time:
I get a letter from Allstate stating that due to the fact that I'd had an unacceptable number of claims, my rates were approximately doubling, and they were increasing my deductible. Needless to say, I called my agent hoping that he'd fix this craziness. His response was that if I didn't want to be insured by Allstate that I could always cancel my policy. We spoke several times on the phone over the next week (I was always very civil, never raised my voice), and while I was going backwards and forwards with them, I received a notice of policy cancellation from them! My mind was blown! When I called my agent to find out what the hell they were playing at, he said it wasn't his decision. End of story. He then proceeded to offer to re-insure me at an even higher rate than the one on the previously inflated policy.
I told him in no uncertain terms exactly what I thought of him and his company, hung up on him and went shopping for a new insurer.
I wouldn't touch Allstate if you paid me!
Unfortunately, that doesn't matter. Companies will require everyone be named on the policy. In the past, insurance companies got burned by paying claims for unnamed drivers, hence these days they will require everyone be listed who might remotely be driving the car.
Wow, that doesn't make any sense at all. HO policies are all rated via computer. One minor claim shouldn't have that kind of impact on rating. It makes me wonder if someone entered something incorrectly into the system. Well, it's a moot point now.
The other thing is that unfortunately an agent for that type of company isn't going to care as much because their commissions are so low, especially on a renters policy. You would get better/more friendly service in most cases from an independent agent.
Good thing you've switched. Why stay being loyal to a certain insurance company if they keep on charging you the rate you can't almost afford. There are still options and a lot of insurance companies out there who would gladly accept and insure you. I always get a quote online through [Invalid or Expired Link Removed] to compare quotes and go for them if the policy is a great deal.
Unless you file an exemption that states the other residents in your house do not drive your car.
I used them for a few years... Never had to make a claim. But they are named progressive because the cost progressively goes up! When you sign up ,internet discount.. This discount. That discount. Then over time they expire. I ended up paying 3 x what it started at.
Right. Then if they do and cause an accident they have the right to deny the claim. You always have to pay attention to the policy terms. Most people don't.
I was shopping insurance and progressive was the lowest provider. I told the sales man I did not agree with the Companies social outlook or where they donated their profits and would pick any of the other lower priced providers. He laughed at me and thought I was being stupid.
I paid more with another company and sleep well at night.
I paid more with another company and sleep well at night.
