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09-15-2014, 06:55 PM
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#1
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Senior Member
Join Date: Dec 2012
Location: Panama City, FL
Posts: 550
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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...
__________________
Chris & Jo
2024 Palomino River Ranch 393RL.
2020 Chevrolet Silverado 3500HD Duramax Dually.
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09-15-2014, 07:05 PM
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#2
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Senior Member
Appalachian Campers
Join Date: May 2009
Posts: 908
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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.
__________________
2001 HO Cummins powered Dodge 2500
2014 Sierra 346RETS
Nights camped in 2014-28
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09-16-2014, 12:22 AM
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#3
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Senior Member
Freightliner Owners Club Jayco Owners Club
Join Date: Mar 2014
Location: Elk City, Ok.
Posts: 352
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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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09-16-2014, 12:55 AM
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#4
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Senior Member
Appalachian Campers
Join Date: May 2009
Posts: 908
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Quote:
Originally Posted by mwwade
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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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.
__________________
2001 HO Cummins powered Dodge 2500
2014 Sierra 346RETS
Nights camped in 2014-28
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09-16-2014, 01:34 AM
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#5
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Senior Member
Join Date: Nov 2009
Posts: 1,152
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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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09-16-2014, 01:36 AM
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#6
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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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.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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09-16-2014, 03:56 AM
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#7
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Senior Member
Foretravel Owners Club
Join Date: Apr 2010
Posts: 511
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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.
Dave M
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09-16-2014, 05:59 AM
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#8
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Senior Member
Join Date: Oct 2012
Posts: 458
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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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09-16-2014, 06:07 AM
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#9
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Senior Member
Join Date: Sep 2007
Location: texas
Posts: 2,430
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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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09-16-2014, 08:02 AM
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#10
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Senior Member
Join Date: Jul 2010
Location: Conway, SC
Posts: 2,557
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Quote:
Originally Posted by Lovin2Camp
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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Me too!
__________________
2000 Dutch Star Pusher
2009 Saturn Vue Towed
Full timed for 6yrs.
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09-16-2014, 08:08 AM
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#11
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Senior Member
Join Date: Aug 2012
Posts: 852
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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
__________________
1998 Newmar Dutch Star, 3126B Cat/ Freightliner
2003 Honda Element
" Don't let the same dog bite you twice "
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09-16-2014, 08:25 AM
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#12
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Senior Member
Workhorse Chassis Owner
Join Date: Jun 2006
Location: Northwestern Montana
Posts: 3,533
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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.
__________________
Dieselclacker
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09-16-2014, 11:47 AM
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#13
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Senior Member
Join Date: Dec 2012
Location: Panama City, FL
Posts: 550
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Quote:
Originally Posted by datrbone8
Why would you think an RV policy on a 40 ft diesel pusher motor home was the same as an auto policy ?
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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.
__________________
Chris & Jo
2024 Palomino River Ranch 393RL.
2020 Chevrolet Silverado 3500HD Duramax Dually.
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09-16-2014, 11:51 AM
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#14
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Registered User
Join Date: Jul 2011
Posts: 2,427
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Quote:
Originally Posted by chawkins99
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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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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