The way I see it, your relationship with the insurance company, once you have a claim, is basically an adversarial one. I had a terrible experience with Bridgestone tires that left me with a torn up truck and 4 new but faulty tires that I had no confidence in. Bridgestone blamed road hazard and wouldn't help. Costco, where I bought the tires, rode to my rescue and put me into brand new Michelins and repaired my truck, all at no charge for the tires or the body work. I buy all my insurance from Costco, including motorhome. Besides getting a great price on insurance I have an advocate when things get ugly. My advocate (Costco) can see that I have been shopping there big time for 25 years. I am important to Costco. Once you have a claim, you are merely a nuisance for your insurance company. On top of that the insurance company cannot raise rates without Costco's assent. By the way, the lying Bridgestone later recalled all the tires that had blown up on my truck. Progressive is a big time Obama supporter, which is likely the rationale for the name.