Progressive Insurance Review

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Whether you love Flo or find her extreme enthusiasm for Progressive Insurance to be a little too over the top, there’s no question the company is hard to ignore.

One of the nation’s biggest auto insurers, Progressive lives up to its name by innovating often and jumping on new trends quickly.

Progressive Insurance Overview

Although Progressive has made its biggest splash in the past couple of decades, the company has been around since 1937. Progressive is an Ohio-based company that now has its headquarters in Mayfield Village, a suburb of Cleveland. In 1971 the company went public.

Throughout the 1990s and into the 2000s, Progressive introduced a number of innovations that made them a household name. They were one of the first insurance companies to offer quotes both over the phone and online, and differentiated themselves by offering quotes from competitors alongside their own.

One of the first major insurance companies to have a real online presence, Progressive continues to offer an incredible variety of services on their website.

As of 2014, Progressive was the fourth largest auto insurance company in the U.S., with a market share of 8.45%. That ranks them beneath only Allstate, GEICO, and number one powerhouse State Farm. They’re only about 1% behind Allstate, which was recently overtaken by GEICO.

One of the things that makes Progressive unusual among the biggest auto insurers is that they sell policies both directly and through independent agents. That means Progressive has the potential to reach a lot of people – both those who want to shop online and compare prices from an easy chair at home, and those who prefer to have an agent provide them with rates for comparison. And rate comparison is not something Progressive has ever shied away from.

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Products and Services

When most people hear Progressive, they think car insurance. That’s the market to which the majority of the company’s advertising is aimed, and it’s the largest portion of their business. Progressive offers a lot more than just auto, however, with a product range that covers homeowners, motorcycles, RVs, boats, commercial products, life, and even health insurance.

Auto Insurance – Like many of its competitors, Progressive’s auto insurance policies are their most important product. They offer all of the basic coverage options, and include some perks as standard with all of their policies. This includes their Concierge Service, a claims program in which you simply drop your car off and Progressive takes care of everything, a rewards program, and Perkshare, a program that gives you discounts on other products and services.

Home Insurance – Progressive writes a range of home insurance policies, including standard homeowners covering structures, liability and personal property. Other available policies are condo insurance, renter’s policies, and mobile home insurance. Like many major insurers, Progressive bundles their auto and home policies to get you a better rate on both.

Motorcycle Insurance – Although it’s GEICO you usually see pushing its motorcycle insurance products, Progressive bills itself as the Number 1 motorcycle insurer in the U.S. Policies includes all of the basics and also promise OEM repairs, Total Loss Replacement, and coverage for riding gear, too.

Boats, Off-Road, and RVs – Progressive writes insurance policies for the unique needs of a variety of different boats, as well as for recreational vehicles ranging from motorhomes to travel trailers. They also write policies to cover a range of different off-road vehicles, including snowmobiles, golf carts, ATVs and more.

Commercial Auto – Progressive covers business auto, trucks, vans, and even specialty policies like tow trucks and dump trucks. They are one of the biggest truck insurance companies in the nation, with policies suited for all kinds of business.

Business Insurance – Small business coverage from Progressive is available to cover a range of different types of company, from restaurant to retail. They write general liability, professional liability, worker’s comp, and Business Owner’s policies as well.

Life Insurance – Offerings from Progressive in the life insurance market are basic. They write term, permanent, and universal – the big three – and also offer basic end-of-life policies to cover final expenses.

Health Insurance – Progressive Advantage Health Insurance products are offered through eHealth, with a wide variety of options to choose from.

Additional Products – The large range of choices from Progressive also includes umbrella insurance, classic car insurance, flood, travel insurance, mechanical repair (equipment breakdown) plans, and identity theft – even pet insurance.

Bottom line – Progressive is really big company, with fingers in just about every pie, although some of those pies are baked elsewhere, as Progressive doesn’t underwrite all of their products.

We’ll look at which ones are underwritten elsewhere below.

Still, this makes it a true one-stop shop for insurance, although it isn’t all that well-known thanks to the company’s major focus on auto insurance. Speaking of which, Progressive’s auto products are worth a closer look.

Progressive Auto Insurance

Progressive takes an approach to auto insurance that seeks to be as cutting-edge as possible. They’ve been offering online quoting since the infancy of the Internet explosion, and have some quoting options that make them really stand out from the competition. The first of these is the option to see quotes from other insurance companies right alongside the Progressive quote. The second is the Name Your Price option, which we’ll take a closer look at.

Name Your Price

It sounds like a great idea – you tell Progressive how much you want to pay, and they will find a policy to match your budget. The name, however, is a bit misleading.

First of all, it gives the impression that Progressive will let you give them any number and they’ll make it work. Much like Priceline’s similar option for finding hotels and flights, the price you name has to be realistic, and there’s no guarantee there will be a rate that does fit your budget.

One of the most important things to be aware of when it comes to putting an insurance package together based on the cost rather than the coverage is the fact that less coverage can cost you more in the long run.

One of the easiest ways for an insurance company to offer you a lower rate is to cut the coverage – remove options and lower limits. Higher deductibles are another popular method of getting a lower rate. To be fair to Progressive, they don’t try to hide the fact that they might need to reduce coverage to get you the rate you want; the system will highlight differences in coverage so you’ll be aware of what you’re giving up.

Still, Name Your Price is a gimmicky way of doing what just about any insurance company can and will do: offer premium choices based on varying levels of coverage. The wording just makes it seem like they are giving you more power over what you pay for insurance than you really have.

And the bottom line is that lower coverage may save you on premiums, but it can come back to haunt you if you have an accident. Price is important, but making it the number one factor over the actual coverage can be a mistake.

Snapshot

Progressive is one of the first insurance companies to have recently introduced a usage-based system aimed at lowering your rates. Their version is called Snapshot, and like all such programs it involves plugging a small device into your car to monitor your driving habits.

The device will record when you drive, your speed and braking habits, and how long you drive. This data is then used in calculating your rates for your next renewal. Progressive specifically uses number of hard brakes, number of miles driven, and amount of time spent driving between midnight and 4 a.m. in renewal rate calculations.

While usage-based insurance is still a new technology in the insurance market and needs to be tested further over time to see how well it works, it’s a very promising advance. It allows drivers a concrete method of demonstrating safe driving and earning better premiums in return.

Just recently, a news story broke the word that Progressive had made some changes to the Snapshot program that will result in rate increases for drivers whose recording devices catch them driving badly.

This is pretty big news, since usage-based systems have generally been touted as not having a negative impact on rates. Most systems either earn you a discount or don’t make a difference at all – but it now seems Progressive will penalize reckless drivers – they claim only the worst of the worst, but that is yet to be seen.

What does that mean? If you’re not such a good driver, maybe the Snapshot option isn’t for you.

Progressive offers their policyholders a 30-day trial of the Snapshot system with no obligation (and no effect on rates), which makes it well worth trying, if only to see what it records for you.

You can read my full review of Snapshot here.

Perks With Progressive Policies

Progressive promises a lot of built-in perks that won’t cost you anything extra with your insurance policy, like a rewards program and savings on other services.

Progressive Loyalty Rewards offers levels of rewards from Silver up to Diamond, and the top levels, Emerald and Crown. Crown-level members are those who have been with the company for at least 20 years, earning the highest level of rewards including guaranteed renewal no matter what your driving record.

Other perks include priority customer service, accident forgiveness, and extra available discounts.

It’s worth noting that accident forgiveness is generally a policy add-on that comes with an extra premium at most insurance companies, but Progressive does allow you to earn it without paying extra.

The Perkshare program is something like an AAA card – it gets you discounts for various services such as car washes and at car rental companies. It’s a nice touch, although not particularly high on my list of priorities when selecting an insurance company.

Coverage Checker is another somewhat gimmicky option that will point out to you any areas where you might be underinsured – or overinsured. Truthfully, that something any good insurance representative should be doing for you when you purchase a policy – as well as on renewal. It does allow those people who like to stay on top of things themselves to keep an eye on their coverage without much effort.

Policies Underwritten Elsewhere

While Progressive lists a vast number of different policy types on their website, they don’t actually underwrite everything they sell. This means that it’s actually a different company writing the policy under the Progressive name.

This is a common practice, but it’s important to know that you’re actually taking out a policy with a different company and not directly from Progressive, something that is kept in the small print on Progressive’s website.

Progressive does not underwrite the offered policies for:

  • Homeowners, renters, condo and other property insurance
  • Life insurance
  • Health insurance
  • Travel insurance
  • Identity theft
  • Classic car coverage
  • Mechanical Repair/Equipment Breakdown coverage

The homeowner’s, life, and health insurance plans are all sold under the Progressive Advantage banner, but are in fact underwritten by one of a list of companies affiliated with Progressive.

Progressive Premiums and Discounts

Progressive doesn’t particularly present itself as a discount auto insurance company, and they tend to put out the impression that they’re not always the lowest price – and they’re ok with that. However, as a direct insurer, the lack of overhead from paying commissions to agents should bring Progressive rates down below the average and in fact into the more affordable range.

Before we go on, it’s important to note that Progressive does in fact sell policies through independent agents as well as directly, and states that premiums may vary when you choose to buy through an agent.

Translation: you might pay more since they have to pay the agent.

When it comes to premiums, Progressive doesn’t fall as low on the spectrum as you might expect, coming in just a little below average according to our rate comparisons based on the same coverage and driver information.

Progressive offers a list of policy discounts, including all of the usual suspects, For example:

  • Multi-vehicle
  • Multi-policy
  • Safe driver
  • Good student discount

Progressive tends to stick to the basic discounts and avoid some of the more trendy options appearing at other companies, such as green car discounts for hybrids.

They also don’t offer discounts for things like anti-lock brakes and passive restraints, which makes some sense as these things are standard on today’s cars and don’t really make a dent in premiums. Overall, Progressive’s list of discounts lean towards the meatier ones that make a bigger difference.

Advertising and Media

Cheery, friendly, and a little too eager to help, Flo has been the face of Progressive since 2008. The character, reminiscent of a waitress in a mid-century diner with her hair, makeup, and white apron, has become one of those icons of advertising that most people would recognize anywhere.

Most recently, Progressive paired her with talk show host Maury Povich for this spot, a play on Maury’s famous paternity test shows. And while some viewers might be getting tired of Flo, Progressive has found new ways to present her, such as this Thanksgiving commercial showcasing her eccentric family.

While Flo might be reaching the point where her welcome is a bit worn, she is still a catchier choice than Progressive’s new talking box advertisements, which for me pushes the limits of patience with cartoonish animated objects.

Progressive gets its name out there in similar ways to other major insurers – through sponsorships. In 2008 they put their name on the home of the Cleveland Indians, changing Jacob’s Field to Progressive Field. They also sponsor the college football Gator Bowl.

Progressive Claims

Clams are the most important part of the relationship between an insurance company and its customers. They’re the chance for an insurance company to make good on the promises of protection from financial disaster and being there for you in a difficult time.

How does Progressive stack up?

Progressive offers several ways to report a claim:

  • By phone at 1-800-274-4499
  • Online through their website, which requires a login user name and password
  • Through the Progressive App for mobile devices

The Progressive app for mobile claims reporting has the added feature of allowing you to take and upload photographs of the scene and the damage directly from your phone. This is a convenient feature that allows immediate recording of accident information.

Progressive will contact you after the claim has been reported, promising to do so the same business day when possible. Their claims process is similar to that of most major insurance companies, and is neatly outlined on their website in easy to follow steps.

One of the differences Progressive offers is their Concierge Service, which sounds fancy, but mainly means that you drop your car off at one of the Progressive Service Centers and pick it up when it’s ready. Progressive handles everything in between including estimates and repairs.

Not all Progressive customers will have access to Concierge Service simply by lack of proximity to a Service Center. For those customers Progressive still offers a certain level of the service via preferred network repair shops, but you also have the choice of using the repair shop of your choice.

So, Progressive promises a smooth claims process with as little difficulty for the driver as possible, but do they live up to it?

According to a 2014 J.D. Power & Associates study of claims satisfaction, the answer is: not really. The study gave Progressive a 3 out of 5, ranking them as “average” for claims satisfaction.

The study gave Progressive a 2 out of 5 stars rating in a couple of particularly important areas of claims satisfaction: service interaction and repair process. Considering what the concept of Concierge Service promises, those are not good areas in which to be below average.

A look at reviews finds an overwhelming number of drivers who were insured by other companies and involved in accidents with Progressive-insured drivers complaining of refusal to pay claims. The common refrain seems to be that even when the Progressive driver is at fault in what should be a cut-and-dried situation, Progressive tries to get out of paying liability claims.

While it’s an insurance company’s job to have the interests of their insured at heart, financial responsibility is at the heart of the insurance industry and state laws. Refusal to pay a fair claim to another driver shows a certain level of disrespect for the concept of financial responsibility.

Customer Feedback

Like all major insurance companies, there are plenty of negative reviews of Progressive that are not difficult to find.

ConsumerAffairs.com records an overall one-star rating for Progressive out of a total of 731 customer ratings. 646 of the total number of ratings were one-star. That’s 88% of the total reviews.

Major competitor GEICO doesn’t fare much better on the site, with 87% of its reviews being negative, one-star reviews. Some of this can be attributed to the fact that angry people who have something to complain about are much more likely to write a review than happy people who don’t have much to say.

The Better Business Bureau shows a total of 1281 complaints in the last 3 years. For comparison, GEICO had 1980 complains in the same time period, and Allstate had 1380. These are the two closest competitors by policy count in the auto insurance industry, and although Progressive has fewer policies than both companies, overall these numbers fall in Progressive’s favor.

Common complaints about Progressive seem to feature customers feeling they have been lied to or presented false information regarding coverage or rates. To be fair to Progressive, a number of these complaints seem to stem from a lack of understanding of how auto insurance policies work, but there are too many of them to be discounted easily.

A few years back, Progressive made headlines in the case of Katie Fisher, who died in an accident in 2010. Fisher was insured by Progressive and was not at fault in the accident, but her brother attacked the company online through a Tumblr post as well as angry tweets, claiming they refused to pay her benefits and even paid to defend the driver of the other vehicle in court.

Progressive responded with a simple and somewhat stoic statement after the lawsuit was concluded, denying that they were involved in the other driver’s defense and causing more anger at a seeming lack of care for the victim. The case was settled not long after, but may well have left a bad taste for some consumers.

This case is a good example of how social media has impacted the way opinions and feelings towards companies in recent years – a viral story that caused strangers to rally behind a victim. Unfortunately, that kind of bandwagon jumping can (not necessarily in this case, but frequently) have a tendency to obscure the facts of the case, reducing major investigations to short tweets. In the end, it may serve as a warning to Progressive to watch its online reputation more closely when it comes to handling sensitive claims.

Overall, Progressive has the kind of negative reviews I would expect in any company of its size, but the company’s continued growth seems to indicate that there are many satisfied, if less vocal, customers as well.

Bottom Line

Progressive isn’t the cheapest insurer on the market, nor do they have the best ratings in terms of claims service. Where the company really shines is in the willingness to try new technology and continually look to the future, offering some of the best online services around and a number of perks to policyholders.

People on a tight budget will likely find a better rate elsewhere, and although they offer a large range of products allowing multi-policy discounts, most of those policies are underwritten elsewhere – which may be a deterrent for some people.

Progressive is likely to be a good choice for those who like a lot of online access to quoting and policy information, who have a good driving record, and who are looking for opportunities such as usage-based insurance to reduce rates. Certainly they are well worth a look and they do make comparison-shopping easy.

Although Progressive has faced some harsh criticism, the overall numbers in terms of complains are not out of line for a large insurer.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Progressive
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Comments

  1. Anonymous says

    Progressive Insurance committed insurance fraud which greatly impacted my life. They refused to properly investigate into an accident by having someone unqualified see over the claim who just pretty much denied it as that’s what they do. The accident their client caused totaled my car, put me in bed for two months due to the pain, forced me to drop out of school (I couldn’t return due to the fact it wasn’t affordable as I had to drop out with grants meaning they have to be paid back and I may no longer get grants), and had to move to another state which means school was even more of a problem as I was now an out-of-state resident in another state. Thank you federal government for showing me that as long as you have money i this country you do not have to abide by the law. I would also like to thank the [Redacted] police officers involved since their judgment was the main cause for me not being able to obtain a lawyer the way they listed me first in the report (FYI – In the state of Illinois the person listed first, even when no fault is given, is looked at as who the police think is at fault) like the typical lazy [Redacted] they are.

  2. cwk says

    WARNING WARNING dealing with progressive is more painfull than the accident itsself great commercial LOWSEYLOWSEY HELP WHEN YOU NEED IT you pay for ins in case of a accident then you get SCREWED how these people sleep at night is beyond me

  3. Taylor says

    Worst insurance ever! I have had issues with them since day one, and they are way way overpriced! They sent me snapshot device and I keep getting emails saying is it’s not plugged in when it has been for two weeks. I’m sure it’s just an excuse to not give me my discount in the end.

    • Tony Watson says

      Progressive sent me a SNAPSHOT to plug in my new Hybrid. It shows erratic braking 70 odd times etc etc. I hardly drive and have been driving accident and ticket free for over 50 years. Ouch my rates went up….WHY? Returned it and cancelled the policy.

  4. Gunter says

    Our new car recently got rear-ended and is now totaled. Progressive is coming back with a value for our car that’s $3,000 below what Kelly Blue book recommend as the retail value of our car. They have their own system of calculating the value of the car. The way that they do this is by pulling 4 listed retail value of the car and then subtracted milage and a “projected sold adjustment” amount (haggle amount from negotiation to deduct, not sure how they come up with this value) from the listed retail value. The four car that they provided, one was high, one was middle, and two was way below value. When I try to call the dealerships to confirm these car, three out of the four were not in their inventory and if they were, they were sold long before our accident. I’m not sure how to handle this right now, we need a new car but I hate to give in and let them cheat us.

    This has been a terrible experience. We expect to negotiate with the other driver insurance for a fair price on our car because he was at fault. I did not think I would have to deal with my own insurance company that’s supposed to have our best interest.

    We are definitely never going to use progress again for our house or car. If anything should happen to our house, I have already got a taste of how they will treat us.

  5. Keihanna lang says

    I am very displeased with progressive. Even though the female admitted fault and the police recognized it was her as being at fault, im still responsible for 20% of my damages. Even though i had the right of way and started to break when i saw her pulling into the intersection. So this means whoever has this insurance will have to assume some percentage of fault..this is b/s

  6. SHEEPDOG says

    I tried to just get a quote for homeowner’s insurance on a doublewide trailer that I was getting ready to purchase. I got disconnected during the phone call and when I called back, the new agent I spoke to found the quote that I had started. Not a problem so far. Then the agent started claiming that I answered questions that I had not yet answered. He said that I told the previous agent that I already purchased the home in February and that I wanted to insure the home for $66,000. I had not been asked any of these questions yet and when I explained that to the agent, he replied with “well sir, the conversations are recorded”, as if to say I was changing my answers and lying. In fact, I told the first agent that we were closing on the home in mid May. What a bunch of idiots! Don’t waste your time calling them unless you like getting talked to like you’re a criminal. PROGRESSIVE INSURANCE SUCKS ROYALLY!

  7. Michael drout says

    Awful. Claim half the damage done to our vehicle was not from the accident. Some completely refusing to fix and others stating they will only pay 20% of. I just want the [Redacted] car fixed. The adjusters have no idea what is needed, ridiculous

    • Suzy Tucker says

      Just screwed our family out of $2000 on homeowners insurance. Progressive is the least ethical agency out there.

  8. Patricia Scura says

    To add to a previous review, today we drop our car off at the repair shop and I’m taken to the rental car place. I’m given a Nissan Sentra, which is what Progressive has approved. I have a 2014 Malibu LTZ, this is in no way even close to being equivalent to our car. Turns out, Progressive says that they are only obligated to provide us with “transportation”, not equivalent to what we have. This accident was caused by their customer, we are by no means responsible and we have to be inconvenienced even more. This is not our first accident, in fact this is # 5 in the last year, none of which have been our fault! We have dealt with many insurance companies, a few no name companies that we never even heard of before. No one has been this difficult to deal with. If this was my insurance company, I would drop them and go find another.

  9. David B. Haire says

    My wife has just had a similar experience late September with Progressive not wanting to pay a legitimate claim timely. Their customer was declared at fault by the Investigating Officer.
    I don’t know if Progressive is the whole problem or the lack of responsible oversight of Insurance companies being the real problem that these mentioned situations are allowed to exist.

      • David B. Haire says

        To comply with their responsibility to appropriately and timely cover the LIABILITY portion of their customer’s insurance. Like I said they maybe operating in some grey areas of the law that requires review and amending by the governing body for insurance.

  10. Patricia says

    Our car ( which we just bought and we hadn’t made one payment on) was hit by their client. They made us come to them for an appraisal. My husband had over slept that morning and they made him wait an additional 45 min to get appraised. I’m sure its because we refused to let them repair our car at their facility. Which would only save them money. I’m sorry, but WE did not ask for this to happen and I feel that progressive insurance should come to us! Thanks Progressive for inconveniencing us even more. We will be sure to spread the word! Poor customer service for the victims of their clients bad driving.

  11. Penny Breland says

    Progressive is a horrible ins company and customer service was rude. The adjuster was hateful and smart mouth. He belittled and talk down the young lady with the claim. The young lady that hit her car as Progressive Ins. The adjuster act like it was her fault, she wasn’t even in the car. She has a brand new car 2015 Progressive wont’s to put filler and a skin over the door. If that’s the best Progressive can do they need to shut the doors and take Flo with them !!!

  12. Vicki says

    I was supposedly a “platinum member” and near the “diamond member” level. I was with them for exactly five years, never missed a payment, and the only way I was rewarded was increased rates. I have no tickets, no claims, a squeaky clean driving record. I was told my rates were high because I had a blazer and those vehicles didn’t have a high safety rating. So I purchased another vehicle and was told (by Progressive themselves) it had a good safety rating, then 6 months later at my renewal, my rates continued to increase to the point were I was paying almost exactly the same for minimal coverage as I was for full coverage only a year and a half earlier. When I asked, they told me because claims had increased in the past six months. Really? There were more claims in the summer than winter in the state of Michigan?! What a joke. In addition, when I first started my policy I paid two months up front which is standard when you pay month to month. I had them exactly five years to the day, never missed a payment as I had automatic deductions from my account. So where is that extra payment I made?! They told me I had no reimbursement coming. I guess that extra initial payment I made disappeared into thin air. They had no explanation for where it went. I guess if they pocket this money every time a person cancels their insurance, they can afford to continue running their cheesy commercials at prime time.

  13. Dorie Kane says

    A couple of weeks ago my husband was driving my car when it was hit by a driver insured by Progressive. The accident took place on a Friday and my husband did not get the other driver’s insurance info until we got the police report the following Monday. I think he tried calling on Tuesday, and then again Wednesday. That Wednesday he got a message that the adjuster handling the claim was out. It turns out they were out for a week, and apparently no one was covering for her! He only just spoke to someone yesterday! In the meantime we have been working through our insurance, which has been incredibly responsive, unlike the Progressive agent.

  14. Jason says

    I have been a loyal on time paying customer full coverage and never been in a accident or never had to use their service till now! My car was stolen from my driveway and found a week later with damage to window locks and ignition, now Progressive is holding us responsible for the cost of damages, I DON’T GET IT WE pay AT FULL COVERAGE ON TIME FOR YEARS NOW AND THE ONE FIRST TIME WE NEED THEIR HELP THEY TURN THEIR BACK ON US!!! [Redacted] PROGRESSIVE AND [Redacted] FLO!!!

  15. Kyle says

    Many people on this site talk about Progressive as being a scam, and they are correct. My wife warned me against buying cheap insurance and she was right. We have been battling with this insurance company for a month now- with no end in sight- over a simple traffic accident. In reading online comments, some lawyers believe that insurance companies intentionally draw the process out to avoid paying settlements; that should be the Progressive insurance slogan. The claims adjusters are rude and and bemoan how much of an “inconvenience” it is if I call them, while completely overlooking my “inconvenience” of being without a car for a month.
    I WOULD NEVER RECOMMEND THEM

  16. Tammy says

    Progressive is a scam. I had.this insurance for many years and had no accidents or tickets for the last 3.yrs and my insurance had gone down every 6.months for all that time. I was supposedly a “platinum member ” when they did not renew my policy due to “excess use of roadside assitance “. Thank you progressive, I got a much better rate with geico and they don’t mind when we lock our keys in the car.

  17. Steven HYPPOLITE says

    I have been a victim of progressive as well. I bought a policy from that company , I never missed a payment . I had my house and dog under another policy. They canceled my insurance but my money was still being taken from the bank account. Their answer was they did not know we had a dog . Lies lies lies. About 5 years ago I was hurt by a driver who had no insurance. My life changed that day. I have provided this insurance with everything they need but for some reason the company has decided to defend the guy without insurance. Now I am their customer, they chose to put me through the wringer by discriminating against me. I have a lot of bills , my mom has cancer and I am supposed to help but I can’t. This violation and breach of contract. I decide to have a petition against the company because if they lose a million customers than they would change their policy. We will get a million people to sign our petition. It’s on moveon.org , please sign and share . I have had many surgeries and more to go because of the pain and hardware .

    This is a consumer affairs
    Check it out
    http://www.consumeraffairs.com/insurance/progressive_insurance.htm?review=961204#review-961204

    This is the petition MOVEON.

    http://petitions.moveon.org/sign/progressive-insurance

  18. sally says

    I have progressive, Recently my car was vandalized. 2014 Nissan Altima its been 30 days since I open the claim. I have worked with over 4 people on this claim today is the 31st day on the claim, my car has had nothing done to it. I have been treated like crap. The only thing they have done has been give me a rental witch today they said it expires and I need to return it, My car is no where near done or ready to get it back, The agent that I am working with [Redacted] has been rude I asked him why I needed to give him so many documents he basically said that people that have their car vandalize like my case usually do it to claim fraud. Makes no sense because I am not asking for money I am asking for my new car to get fixed my new car was fine until that night. I asked him whats taking so long? He stated that he is short staff he is the only one working for 3 or 4 states and that he will get to my claim when he gets to and I pretty much just have to deal with it in a really rude way. I send him an email explaining my feelings to him never heard back from him. Its has been a nightmare working with him and progressive It makes me sick to my stomach. They don’t care. The biggest regret was getting this insurance please people shop smart.

  19. Muller Gebe says

    I had insurance with progressive for 6 months and i paid the full payment and after a couple of months they said i had to pay more because after i didn’t provide prove of my previous insurance
    which i did before joining and they cancel my insurance without my knowledge. I asked progressive to reinstate my insurance which i paid in-full they refused spoke one of the manager she was very rude to me i told her that i am going write a review she didn’t care. In any circumstance i wouldn’t recommend this insurance to anyone they are a bunch of thieves.

  20. Georgia Cooper says

    We have had RV coverage on my RV since 2013. We hit a pot hole in the road which damaged our exhaust system causing damage to 2 tires as well. I wasn’t even sure insurance would cover but gave it a try. The adjuster was very prompt in calling us right away and handling the claim in a professional and courteous manner. We were reimbursed (except for $125 deductible) for the replacement of both tires, new exhaust system, plus what we had to pay roadside assistance. The premiums we pay once a year a very reasonable as well. I would recommend Progressive to all my RV friends.

  21. Sonia Serrano says

    So I thought I had good insurance. UNTIL I got into a accident. Progressive didn’t even want to fight one ounce for me. I had a 99 Honda accord and the other driver was a 2013 Mercedes. The Mercedes hit me head on on the side of my car after taking a red light. They told me their job was to protect their client from exposure. First I was told they were going to negotiate 80/20. 80% my fault and 20% the other drivers. Five minute later the agent calls me back say after reviewing Google maps the street was really narrow even though the street was 3 lane street both directions. The bumper popped of the corners and the license plate fell off on the Mercedes. My car is not drivable anymore. I’m left w/o a car while the other driver is walking away with up to $10,000. SOME INSURANCE COMPANY.

  22. Les Garrett says

    I have jet ski and trailer coverage with Progressive. As I was towing the jet ski from the boat ramp, the jet ski trailer broke in half. Progressive is telling me that the trailer is not covered. If I have trailer coverage, what does it cover? I have never made a claim before. When you go to the Progressive site, it even states that the trailer coverage will cover the owner in case the trailer is broken. This is no way to do business, and I will be canceling all my policies with Progressive.

    • Jarreth says

      Good luck with cancelling. They will stick it to you there also. Had my policy a little over a year. Kept being told rates would go down but didn’t. Called another insurance company (who was “on my side” and they knocked $100 a month off. When I called to cancel with Progressive, they charge me $33 for the 3 days of the month I had the policy, which I would expect. But then they charged another $62 for “certain percent of the non-active period.” What the heck? See their response below. Voodoo math if you ask me.

      “When we cancel a policy the premium is divided into two categories: the cost for the period it was active and the cost associated with the period it was not active, but would have been if not for the cancellation. We earn the cost of the policy for the active period, and certain percent of the non-active period. This is earned because we processed the policy with the expectation that it would run its full term. It did not run its full term because of the cancellation.”

  23. Sasha Starkov says

    I have had full coverage insurance on my rv since 09 along with other vehicles When my rv got damaged due to an ice storm, progressive’s response was wear and tear and denied my claim right away and their claim rep. [Redacted] was the most ignorant and unprofessional person I have ever met who basically yelled at me over the phone saying that my claim was denied due to wear and tear and I should just live with the denied claim or go elsewhere and he refuses to admit that there is physical damage done to the side of the rv from the impact of the hail. Never again will I do business with this insurance company again.

  24. says

    Progressive has what may be the most outrageously incompetent customer service I’ve ever experienced. Over 9 personnel transfers today, almost 4 hours on the phone, and after 7 years being with them I’ve come to my wits end.

    It all started with leasing a new care in December. I added the new car to my progressive account. They faxed verification of account to the dealership so that they would hand over the keys. Now 4 months later, I find out the car was never added, there is a warrant out for me for driving without insurance, and attempting to resolve the issue with Progressive supervisors was fruitless.

    There are plenty of unworthy places to do business with. Perhaps Monsanto and Halliburton are at the top, but after today, I’d place Progressive close to those ranks.

  25. Allen Guldan says

    You find out the quality of an insurance company when you make a claim. At that point, price means little. I thought I had quality insurance rather than just some cute advertising. I was in a accident on October of 2014 and had major disc problems in my lower back. I have had to fight with them to pay my out of pocket fees. After a long fight with them, they told me they would not pay my medical claim because it was partly covered by my health insurance company (I am talking about my out of pocket expenses. Therefore I have been paying for over 5 years for coverage that was of not use to me. What a rip off. I would not recommend this company to anyone regardless of the price.

  26. obe Lewis says

    I live in Houston, was in a head on collision accident, Adjuster [Redacted] and Supervisor [Redacted] claims Director Houston area, tried strong arm tactics; Return rental car or their would be consequences, tried several occasions to hand off car without any details of workmanship.
    [Redacted] had to get vehicle towed to another dealership to reveal shortcuts and oversights. They refused to complete any other work.

    What a rip off..

  27. Jeri Silva says

    Do not use Progressive they are a rip off if you have Rv insurance with them and need to change the policy from a motor home to a pull behind then they tell you they have to cancel and issue a new policy and then charge you at a 90% rato cancelation rate. So for renewing my policy for a little over a month, I gave them 430.00 and only got back 343.00 and had to pay them 425.00 for the new policy. Will not renew with them again. on any of my policies. Please do not use them.

  28. Peter Hutcheson says

    Just don’t cancel your policy with them, they will charge you.

    After 15 years with this company taking my premiums, much higher than some other insurance companies, they decided to charge me to leave them. Isn’t that nice?

    Their insurance is no better than anyone else, and their rates are not the lowest either. They even had the shady sales guy on the line to try and sell me into staying with them. In the end they were just like the other shady insurance companies.

    I would suggest getting insurance anywhere but with these crooks.

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