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Old 09-15-2014, 06:55 PM   #1
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Unhappy Progressive Insurance... Goodbye.

I moved my RV insurance to Progressive earlier this year after Good Sam hiked my rate (again).
A couple of months later, I got a quote for Homeowners insurance. One of the questions was if I had an Auto policy with them. I answered 'yes' and so got the 'multi-policy' discount.
I have since moved my boat insurance to Progressive as well.
Apparently the RV policy does NOT classify as an auto policy. Something that was NOT made clear at the time.
Today, they remove the multi-policy discount and hiked my homeowners policy by $500....

As soon as the current policies expire, I'll be moving elsewhere.

I know I should have read the small print but I consider this practice deceitful....

Just needed to rant...
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Old 09-15-2014, 07:05 PM   #2
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They're all shifty. I got a quote from State Farm for my camper. Now let me clarify, I had a budget in mind with a little "I really want it" buffer built in. Well, when I got the financing quote it ate up most of my buffer. So I called my agent, took the actual copy of the contract with me. The quote took me right up to my budgeted limit. I signed the papers and took delivery.

Two months later I look at my statement from SF and noticed that not only did the camper policy go up $15 a month but they were hitting me for $30 worth of back charges.

I called and found out they misquoted me. I told them that we needed to work something out as I would not have bought the camper had they done their job and quoted me correctly. The answer?

Sorry. We quoted off the purchase price, not the actual MSRP value. The underwriter changed the price.

They suck, it's a racket and frankly I dislike dealing with them.
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Old 09-16-2014, 12:22 AM   #3
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Strange, I have used SF for many years, and insure everything I own with them. My house, cars,(5) dump truck, and tractor. I bought a class c earlier this year, called SF for insurance, and they informed me they could not insure it. Has anyone else experienced this?
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Old 09-16-2014, 12:55 AM   #4
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Quote:
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Strange, I have used SF for many years, and insure everything I own with them. My house, cars,(5) dump truck, and tractor. I bought a class c earlier this year, called SF for insurance, and they informed me they could not insure it. Has anyone else experienced this?
I've been an SF customer for 23 years (41 if you count the time my parents were customers before I was an adult.) and have a small fleet in my yard.

They refused to write a policy on my camera equipment because, and I quote, I might get sued because I took a photo of someone at an event that doesn't want their photo taken. No kidding. So I got it somewhere else, and I remind my agent of that fact some days.

So no, doesn't surprise me one bit. SF doesn't seem to understand the RV world, I'm still shopping around but have found that the price is about the same so I left that egg in the big basket for lack of a better term. I'm shopping coverage and quality, I'm irritated enough right now if that means moving everything, then I move everything.
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Old 09-16-2014, 01:34 AM   #5
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I just left state Farm after 47 years with them. I retired early and lost alot of money in the market and was really trying to reduce spending. called my SF agent about a couple of errors on my policies and he said correcting them would make no difference in cost. finally insisted on correction and they did make a difference in costs.
Got my Progressive RV policy today and they want me to sign a form that household members are only covered for $15k, $30k of libility ins. My policy is for $250K, $500k.
I'm not signing it and it was deceitful to not disclose this when I was not told this when discussing the liability limits when purchasing the policy.
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Old 09-16-2014, 01:36 AM   #6
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We used to have Progressive, but they kept raising the rates then I had a windshield break. Got a quote to have in done in my driveway for less than $200. Decided to call Progressive and see what it would cost if I used my insurance. The agent absolutely refused to give me ANY info unless I said (as coached) that "I wanted to file a claim". He also said if I didn't like the cost I could cancel the claim. So I did as he said. Then I canceled the claim as it was around $500. They then took away my "no claim discount" so I called to switch companies. Found out that they had it on the books as a "$0-$1,000 claim" and were reporting it to any of the other insurance companies I called.
Even filed a complaint with WA's insurance commission, they said it was perfectly legal but not an honorable thing to do.
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Old 09-16-2014, 03:56 AM   #7
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Progressive, yup, they will educate you for sure. had my 04 F150 pickup with them 1st year $450.00, 2nd year they wanted $1,200.00, no accidents nor claims. End of that story, went with GEICO.
If you get into who owns Progressive and where their profits go, I promise, you will run.
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Old 09-16-2014, 05:59 AM   #8
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Have had Progressive for 10 years now, Lowest rate I can get anywhere and prompt no hassle service on 2 claims, never had a rate increase, actually has gone down...
Thanx Progressive!
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Old 09-16-2014, 06:07 AM   #9
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I agree Ben with progressive Rv,boat,seadoo no problems 2 claims on windshields I have agreed value
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Old 09-16-2014, 08:02 AM   #10
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Quote:
Originally Posted by Lovin2Camp View Post
Have had Progressive for 10 years now, Lowest rate I can get anywhere and prompt no hassle service on 2 claims, never had a rate increase, actually has gone down...
Thanx Progressive!

Me too!
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Old 09-16-2014, 08:08 AM   #11
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Why would you think an RV policy on a 40 ft diesel pusher motor home was the same as an auto policy ?

We spend winters in Mexico and to the best of my knowledge Progressive is the only insurance company where your policy covers you for everything except liability while you're down there. Saves a ton of money
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Old 09-16-2014, 08:25 AM   #12
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Progressive doubled the premium on our RV after two years, no claims against them from us, and no explanation from them. I insured with SF when the policy expired with Progressive, and have been satisfied with their rates. I have not had a claim with State Farm, and have only had premium increases of a few dollars a year for the past four years that I have had them as my insurer. I hope I never need to file a claim to check out how they will handle one.
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Old 09-16-2014, 11:47 AM   #13
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Quote:
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Why would you think an RV policy on a 40 ft diesel pusher motor home was the same as an auto policy ?
It has an internal combustion engine, wheels and rolls down the road under it's own power.

Why would it NOT be considered an auto?

At what point is it no longer an auto?

Take an F-350 and put a camper-shell in the bed... Now it's no longer an auto? Take the same truck, remove the bed and bolt a house to it?

The point is Progressive were deceptive about not being clear what constitutes an RV and what constitutes an automobile.
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Old 09-16-2014, 11:51 AM   #14
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Quote:
Originally Posted by chawkins99 View Post
I moved my RV insurance to Progressive earlier this year after Good Sam hiked my rate (again).
A couple of months later, I got a quote for Homeowners insurance. One of the questions was if I had an Auto policy with them. I answered 'yes' and so got the 'multi-policy' discount.
I have since moved my boat insurance to Progressive as well.
Apparently the RV policy does NOT classify as an auto policy. Something that was NOT made clear at the time.
Today, they remove the multi-policy discount and hiked my homeowners policy by $500....

As soon as the current policies expire, I'll be moving elsewhere.

I know I should have read the small print but I consider this practice deceitful....

Just needed to rant...

You don't have to wait. Change now and you'll get a prorated refund.
I've been with Geico for 4 plus years, no increases even after one comprehensive claim on MH.
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