Flo is a thief!

Currently have Progressive and just renewed after getting quotes from a number of companies. Every 3 years I requote or if there is a jump in the premium cost.
Learned about the lack of valuing good customers years ago.

Ok, so I'll say it. Because in my case it is true. I'm with Alfa (Alabama Farmers Association). Been with them since 96. Last year I shopped around some (not to everyone). USAA, which I am a member of, was shocked when Alfa's price beat them, and they couldn't match. It wasn't by a lot.. maybe 10-15 dollars, but they still beat 'em. Likewise, when I refinanced my house with Quicken, they tried to get me to swap insurance companies. I got quotes from them, and Alfa was lower.

My son (under my policy) had two claims, one his fault, one not. Wife had one, not her fault, and I had one accident, not my fault, over the past 19 years. Rates are still very competitive. I can't say they are the LOWEST, but when I did venture out and look, they were.

Im paying 217 per year for the new RV I just bought. Again, maybe not the totally lowest, but very competitive from what I've seen others say they are paying.

I do think though, based on my previous experiences, that my experience is not the norm.

Mike

Insurance companies, cable companies, cell phone companies....all the same breed. They give the best deals to the new customer. No one honors good, repeat customers any more. It just doesn't pay to be loyal to a single service provider. You have to go shopping every coupe of years.

Dad turned me on to the Allstate Rep when I first got my driver's license. I kept that man until I was in my mid-forties. Until an Insurance broker told me she could save me close to $100.00 a month. Allstate Rep said he could not touch those rates. Six months after I switched, Allstate Rep tried to woo me back...he could give me NEW customer rates that matched what I got from the broker. If he had done that in the first place, as if my 20+ years mattered, I would never have left them.

That dedicated ALLSTATE office is no longer in that location. It was replaced with a broker that can "shop" many different companies.

For the record... no one has ever beaten Progressive for the Harley and the little 50cc scooter we have. I have Westfield on house, cars, Rv...but they suggested I leave the bikes with progreesive cause they couldn't touch the coverage I have for the rates I get from Flo.

Our Ameriprise policy on the trailer increased by $480 this year after 4 years of no claims. I was paying more for the trailer than my Dodge 2500. It made no sense to me. Like others, shopping for insurance every 2-3 years is the norm for us. Where do you think Direct TV and XM radio learned to raise your rate every few months?

John&Joey wrote:
Progressive bases their fees on part on your credit score. Did something happen that would have changed it?

x2

Two pages of comments without the "I've been with X since 1970, and they are great" LOL. My in-laws were of that mindset. The wife fell for it, for a while, but I soon learned the lesson that most here have commented on. We got married young, stuck with the family's agent, and one day it occurred to me. As we were developing a history of safe driving, no claims, and aging out of the higher risk brackets, our rates were increasing substantially. I shopped around and found that we were paying nearly double market price for our coverage. Since then, it's become quite clear that the word "sucker" is totally interchangeable with the phrase, "long term, loyal customer" in the minds of many insurers.

Progessive was the cheapest for us while the kids were teens. They then started the typical steep rate climb, after a few years. We switched to another company, and it dropped by nearly half. Last year the last kid left the nest and our insurance is now dirt cheap, but I'll still have to shop once the inevitable increases start.

My bank handles my insurance and every year they compare rates from all of the major companies. This year when they gave the Progressive quote it was noted that they went up from the previous year, write RV policies for only six months, and will not issue COLLISION insurance on any coach over 10 years old.
That said, the rates also went up with Hartford, State Farm, National, and all of the other companies they contacted, from the previous year.
I stuck with the same insurance company I used for the last two years and their rates did increase $35 of last year but they write one year policies for all of my vehicles and they were still way less expensive than the other companies.
Progressive was the most expensive.

We have state farm mutual. Never seen any dividends but increaases have been small and not often.
had several claims, nothing our fault.

Progressive bases their fees on part on your credit score. Did something happen that would have changed it?

I've had Amica on the RV and car since 2011 and have been very pleased with them. My premiums have actually gone down $5 to $10 each year at renewal time.