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Old 07-21-2011, 07:58 PM   #1
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Vanishing Deductibles = Increased Premiums

This is the second year my premium with Progressive Insurance has increased by a little more than the deductible vanished (reduced). I have not called Progressive yet. Will early next week when I have access to a landline. Just curious if others have noted this "relationship" between the reducing deductible and their premiums.

I obviously won't be getting a tricked out name tag like Flo's since there is no savings this year, just a C-note increase.

Thanks
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Old 07-21-2011, 08:06 PM   #2
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We had Progressive, no claims, and about three years of reducing deductibles. Had a rock break the windshield of the Jeep. Found a local outfit that would replace it for $154 in my driveway. Called Progressive to find out how much it would cost going through them. They ABSOLUTELY refused to give me any information till I said (as coached) "that I want to file a claim". The quote was almost $400. I told them to cancel the claim (as they said I could). What they didn't say was that I lost the reducing deductible and my rates went up. When I went shopping for other companies Progressive told them that there was a claim on my record of $0 to $1000. They didn't bother to say it was 0. When I found out I contacted the State Insurance Comm., they said it was legal but certainly not ethical.
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Old 07-21-2011, 08:26 PM   #3
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Yes I have to give back my deductable each year to keep premiums down so I am considering changing next year. Anyone have opinions who is Best?
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Old 07-21-2011, 08:46 PM   #4
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Yes I have to give back my deductable each year to keep premiums down so I am considering changing next year. Anyone have opinions who is Best?
My best advice is just shop around. We have Geico and they were the best value/coverage mix we found, but it can vary locally. We use them for both the MH and toad.
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Old 07-21-2011, 08:50 PM   #5
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We have GMAC now.
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Old 07-21-2011, 08:51 PM   #6
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You have to shop around every once in a while. We had a vanishing deductible on the autos and after about 3 years we got a small increase, year 4 a bit more and year 5....BIG JUMP. We use and independent agent so he can shop for insurance. He shopped and found a new carrier at 60% of the new rate. No tickets, no claims and just a greedy company.

So my advice is to shop around with the independent agents and FORGET the big companies.

Ken
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Old 07-22-2011, 09:53 AM   #7
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You have to shop around every once in a while. We had a vanishing deductible on the autos and after about 3 years we got a small increase, year 4 a bit more and year 5....BIG JUMP. We use and independent agent so he can shop for insurance. He shopped and found a new carrier at 60% of the new rate. No tickets, no claims and just a greedy company.

So my advice is to shop around with the independent agents and FORGET the big companies.

Ken

Great advice!!
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Old 07-22-2011, 10:15 AM   #8
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We currently have USAA and have had for the last 10 years or so. We have not had to file any major claims (the largest claim was replacing a windshield in our car) but they have always been very helpful, courteous and price competitive.
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Old 07-22-2011, 10:57 AM   #9
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We currently have USAA and have had for the last 10 years or so. We have not had to file any major claims (the largest claim was replacing a windshield in our car) but they have always been very helpful, courteous and price competitive.
Remember USAA does not insure motorhomes. They go through Progressive. Member for 50 years
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Old 07-22-2011, 11:07 AM   #10
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We have GMAC. You can get a discount by going through Good Sam or Camping World or FMCA if you belong to any of these organizations. Another good company is National Insurance to check out. Progressive and Geico were way higher than GMAC so we went with them. No claims yet thank heavens.
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Old 07-22-2011, 11:50 AM   #11
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We have Progressive on the bike, the best for motorcycles, appearently almost all the other companies just get the rider thru Progressive anyway.
We have Farm Bureau for the farm. If we could find someone else we would but are selling it soon anyway to go full time.
We have State Farm for the car, truck and now RV. Since not full timing yet they had the best rates right now.
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Old 07-22-2011, 12:52 PM   #12
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I know Nationwide does vainshing deductable, Allstate does rebates, but like the song says:

"My mamma told me, to do the shop around"

One rule I tend to follow is the rule of excessive advertising.. The more they get in your face with advertising, the higher their advertising costs, and where do you think the money comes from... WE THE SUBSCRIBERS of course.
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Old 07-22-2011, 02:34 PM   #13
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Remember USAA does not insure motorhomes. They go through Progressive. Member for 50 years
True, nor do they insure high dollar boats. I currently have MH insurance with Progressive that I'll be cancelling at renewal time. My reasons can be found by Googling or Binging their chairman, Peter Lewis.
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Old 07-22-2011, 02:41 PM   #14
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These are all gimmics to get your business. It sounds good until you need them and then you are screwed. If you are unhappy with your insurance company why wait to switch. Get new insurance and cancel the policy. They will issue a refund. Been there and done it. I have Geico for all vehicles and MH. Love their service and rates are great. Had to have the MH towed in April and they were fast and friendly and no rate increase.

JMHO Arnold
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