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-   -   Progressive Policy Premium up 20% from last year??? (https://www.irv2.com/forums/f103/progressive-policy-premium-up-20-from-last-year-320743.html)

C.Martin 12-21-2016 10:26 AM

Progressive Policy Premium up 20% from last year???
 
We're looking for advice on other insurance companies to compare rates...

If you are happy with your coverage and rates...please let us know what company you recommend.

Thanks in advance...

Mr_D 12-21-2016 10:30 AM

That's why I quit Progressive some years ago. They just progressively raised the rates for now reason.
Now have The Hartford through AARP for all the vehicles and house. Saved me over $1,000 a year on the motorhome alone and about $600 on the stick house over Pemco (who I'd been with since 1968).

Sidewinder4 12-21-2016 12:16 PM

My two cents worth
 
To the OP:
Last May, same thing happened to me, $2300.00 a year to $2900.00 a year. Early on when getting my first coverage USSA recommended Progressive and stated they have a agreement with Progressive to give USAA members a great competitive deal.

Fast forward, I get my renewal bill for $2900 and call Progressive and ask what is up with this increase. The lady on the other end stated that Progressive from time to time updates their algorithm and the state of Alabama had an increase in risk. Well I just about popped a gasket, because two years earlier State Farm made almost the same quote when I lived in Georgia.

I no longer have State Farm or Progressive. I will not discuss who I have now, but I found RV Insurance Companies by Googling. I spent the better part of a week researching. Well to my amazement, I found twice the amount of coverage over and beyond Progressive: a 250 dollar diminishing deductible not $500.00, RV replacement cost just to name two difference and for $1700.00 a year.

I will also add that I am no longer the guy that gets a renewal notice on any type of Insurance now, without looking for a better rate. I personally believe loyal customers that just renew their policy are the victims of paying more than is fair market. Also the Better Business Bureau was a great source to make up my mind about the number of complaints from customers. Finally, the company I finally went with had their share of complaints but also had customer satisfaction about claims filed and timeliness of processing; two critical factors desired by all insurance holders in the event of needing help.

For the record my only concern with State Farm and Progressive is rates being competitive. First Year was great, renewal time was not so great.

APhotoWizard 12-21-2016 12:31 PM

I highly recommend Allstate. When I made my recent claim for the fan and radiator that were taken out by a rock on the Dalton Highway in Alaska, the adjustor (Skip) came over the next day, handled the repair, expedited shipping for replacement parts and I was on my way in less than a week. I only paid my deductible. Last year a bird flew into my windshield and they sent a repair person to the house to make the replacement in less than 2 days after I arrived home. ( I did call a week earlier to give them time to order the new glass).

For this exceptional service I currently pay less that $750 per year for a $1000 deductible policy.

Others may pay more because, as the adjuster noted, I have had all my car, home and motorhome insurance with Allstate for over 50 years. He wanted to shake my hand because I had the longest policy history of any customer of any company he had ever worked for so I may be getting preferential rates.

Disclaimer: I do not have stock or other interest in Allstate. My only affiliation is a very satisfied, long time customer with a great local office.

P.S. Over the years I have lost two agents. Both retired. I really like the stability in my insurance company.

ByeTheWay 12-21-2016 12:43 PM

State Farm still works for me. I also carry an umbrella policy, 2 other cars and home owners, plus 2 other policies

When I get a quote for the same coverage for everything, State Farm is consistently less money.

Sidewinder4 12-21-2016 12:52 PM

Quote:

Originally Posted by ByeTheWay (Post 3383012)
State Farm still works for me. I also carry an umbrella policy, 2 other cars and home owners, plus 2 other policies

When I get a quote for the same coverage for everything, State Farm is consistently less money.


I am glad you are happy. I was with State Farm for over 30 years, and several times had to stop my policy due to overseas commitments with the military. First part of my experience was a family friend and all was great. Joining the military, and every three or so years I moved to a new state, which caused a new agent. The agent you have may be the critical factor to your fairness and loyalty. Anyway, best of the same for down the road for you with State Farm.

stuhly 12-21-2016 01:27 PM

The best thing to do is to make your agent shop every darn year. Insurance companies by and large are pretty slippery.

Dutch Star Don 12-21-2016 05:42 PM

Progressive usually gives a good rate for about three years and in the fourth or fifth year jacks up the premium. A good friend once told me, "insurance companies will never show you any allegiance, so why should you show them any". The point being, look around when the rates go up.

You can get a lot of recommendations here, but rates are different in every state and for every individual. Some like State Farm, but they are expensive where I live. I think if you were every in the military, USAA would be the best bet.

Shop around:
Geico
State Farm
Blue Sky
Farmers
Automobile Club
USAA
Mercury

newmarpusher 12-21-2016 06:35 PM

Nation interstate of Hawaii. Good rates. Great claims service. No complaints.


Sent from my iPhone using iRV2 - RV Forum

davendeb 12-21-2016 06:59 PM

I loved progressive but left due to rate increases. Had National General (Good Sam) for 2 years, cheaper, but was put off by poor service when I had a claim. Just went to gieco. About $50 more per year that National General. No claim yet.

Algoma 12-21-2016 07:49 PM

I had Hartford for years covering car and motorhome but when I bought my Ventana they would not give me replacement cover for the motorhome. Checked with several companies and went with National General (Good Sam). No increase in premiums for 2 years but we will see what happens next time. I did have 2 claims with The Hartford so I now have some points that count against me, but I can't find out exactly how much extra that is costing me.

wagonmaster2 12-21-2016 10:18 PM

I have Hartford AARP for 3 vehicles and home but when I got a quote for the motor home they wouldn't give Replacement Cost so currently on my 2nd year with Progressive. Will see what happens next renewal especially since I recently scratched up a compartment door on a pump island trying to squeeze into a crowed noon rush hour service station driveway.

jfran304 12-21-2016 11:02 PM

We have had National General (formerly GMAC) insurance for 14 years now on our RV and no major increases in payments. We haven't had any claims.

Get a Quote, Policy Login, Make a Payment

Sidewinder4 12-22-2016 05:55 AM

Quote:

Originally Posted by Dutch Star Don (Post 3383346)
Progressive usually gives a good rate for about three years and in the fourth or fifth year jacks up the premium. A good friend once told me, "insurance companies will never show you any allegiance, so why should you show them any". The point being, look around when the rates go up.

You can get a lot of recommendations here, but rates are different in every state and for every individual. Some like State Farm, but they are expensive where I live. I think if you were every in the military, USAA would be the best bet.

Shop around:
Geico
State Farm
Blue Sky
Farmers
Automobile Club
USAA
Mercury

USAA does not cover RVs, they farm out to Progressive, Military or not! I have USAA for cars and home, USAA just gave me back $87.00 for a "Thank you" as a customer.

Entropy 12-22-2016 06:17 AM

Same here. Had progressive via USAA initially. We switched to Blue Sky and so far so good.


2008 Newmar All Star 4156

trapper2020 12-22-2016 07:07 AM

Like others I use a broker to look for best rate available. This year rates went up 20% and for what we have I could not find a lower cost. Agent told me a lot of companies no longer want to insure rigs over 36' because the longer rigs get more use and a large percentage are full timers and have higher claim % verses the smaller part time use RVs. In the end like already stated look around because when you have a claim you are just a number. To them it's a business and they are in it to make a profit. Hard to believe anyone could not find lower rates at least once in their lives if they truly look.

Good luck in your search and enjoy the ride

Campin Cajun 12-22-2016 12:25 PM

This yearly increase was explained to my by an insurance agent. He said if you have replacement value coverage the rates go up because the coach is worth less, but the insurance company (if something terrible happens) needs to replace the coach with a newer model that cost more because of the increase from year to year on new models.

bdickson 12-22-2016 01:05 PM

I have had Blue Sky for the last 2 years: $1,300 first year, $2,100 second year and I just got the renewal notice for $2,400. I called the insurance agent at America's Mailbox and she got me $1,050 with Progressive for the exact same coverage. Even if progressive jacks the rates in a couple of years I'll still be ahead of the game.

lass 12-22-2016 01:29 PM

Quote:

Originally Posted by jfran304 (Post 3383696)
We have had National General (formerly GMAC) insurance for 14 years now on our RV and no major increases in payments. We haven't had any claims.



Get a Quote, Policy Login, Make a Payment


I have to agree with Jon on the National General statement. I have had replacement coverage for the past 4 years and pay less today than I did when the policy was 1st written.

Interesting though was that I called them last month to ask if I could save any money by buying direct rather than through my current agent and their response was that they could run it with Good Sams instead. After they ran the numbers, I would have paid $300 more per year if I had switched to Good Sams. Didn't make any sense so I keep my current policy and paid in full. Another advantage is the I can suspend my policy if we aren't planning on using the Coach and save some money on the annual premium.

bwaller 12-22-2016 06:28 PM

How true! We had State Farm for 30+years! All we had were rate increases - and we had no claims! "Well, you have to pay for all those serious problems, hurricanes, tornadoes, etc." Was happy to be rid of them.

bwaller 12-22-2016 06:31 PM

We now have Geico for several years. VERY reasonable even for our new RV. Liberty Mutual covers our 3 autos, home, condo, and umbrella. This is our 3rd year with them - and the rates have stayed the same. Very pleased with them!

GKU 12-23-2016 06:16 AM

We have had National General for the past 3 years. Rates about the same. No claims so I can't comment on claim service. I have our agent put all our stuff out for bid every two years.

cc8375 12-23-2016 06:33 AM

We have been very Happy with Erie Insurance! Beat our old insurance considerably.

Clayobx 12-23-2016 06:52 AM

Insurance & Insurance companies = legal extortion! The days of Mr. State Farm home town fellow or lady are gone, period. There is no loyalty on their part so don't presume you should be loyal. FWIW my history over the last seven years. 1st yr. Farm Bureau (03 DP) $800.00 extremely low deductible. 2nd yr. new coach, Progressive $1750.00 1k ded., 3rd yr. progressive increased to $2700 no reason, just increased. Note, they gamble on you the first year and lowball to get your business then hope you'll renew. We went with Blue Sky...$1700, next year Blue Sky increased to $2900.00 same business plan as Progressive. So...for the past 2 years we have been with National Interstate @ $1700.00 we had a claim that did not exceed the deductible...btw it is $2500! So in August we'll see what the renewal looks like....holding my breath, not! I highly recommend shopping the market every year unless you are lucky and your premium and coverage is stable. The appraised NADA value is their guideline on how well they calculate the removal of extorted monies:mad::facepalm:

edgray 12-23-2016 08:06 AM

Quote:

Originally Posted by GKU (Post 3385087)
We have had National General for the past 3 years. Rates about the same. No claims so I can't comment on claim service. I have our agent put all our stuff out for bid every two years.


I've had NG thru FMCA for 4+ years never a claim other than a broken window 2 years ago. They sent me a renewal "offer" for same coverage in 2017 at 15.5% more than 2016 premium. Better coverage from Progressive was $800.00 less.

I will be a serious shopper for future coverage because there is no loyalty from these companies. I was with Progressive before I switched to NG. when PG jacked my rates for no good reason I left them and it seems we just have to keep playing these games to get any "savings". 🤓

Scottybdivin 12-23-2016 08:27 AM

I just went through the same. State Farm jacked my rates 50% with no explanation. Tried FMCA, AARP/Hartford, Good Sams. Ended up moving it to Farmers Ins, where I have my homeowners. With the multi vehicle discount it was equal to the best quote I received. They have been outstanding on every level for over 35 years. I'm still paying more money than I did last year.

Gamaliel Kid 12-27-2016 10:52 PM

I recommend AARP thru Hartford. My policy for $200,000 stated value policy and maximum liability is under $1,000 per year. We don't full time and drive 5 months or less for rating purpose. I live in Polk County, Florida. FYI, cutting the policy to $1,000 value of the coach dropped the policy by $400 per year. I did this because I traded old unit and wanted to keep policy rather than replace and buy new. We will have the new coach in 3 months, so the net cost to do this was only $100. FYI as well, I am going to insure my new coach, 3953 Canyon Star for $140,000. I expect the premium to be around $850 per year.

Algoma 12-28-2016 08:36 AM

Just got my renewal notice from National General and just a minor increase this time, about 1%. I also checked my replacement coverage and they confirmed I get a new coach until mine is 5 years old and then I am covered for the original price I paid with no deduction for depreciation. So I may be paying a little more than some others, but for me it is worth it, at least for the next 3 years.


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