What insurance to use
I have a 2001 Pleasureway Traverse that I use for travel and also as a daily driver. The insurance I have has gotten ridiculous. Just wondering if anyone uses their van as a daily driver and what insu...
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I had just the opposite experience of loving retirement. My renewal with Progressive this year cost 15% less than the same coverage last year. I have what would typically be called "full coverage," with high liability limits, comprehensive, collision, towing etc. My total bill was well under $500 annually. I live in semi-rural southern Oregon, so that undoubtedly helps keeps premiums lower, but I have no explanation for the decrease.
Progressive has little benefits I am often not even aware of. When A rock cracked our windshield a few years back, we discovered we had a "disappearing deductible," which reduces your deductible 20% (I think) each year you don't have a claim. Since it was more than five years, we paid nothing for the windshield replacement.
When I originally got quotes from Progressive (the company) over the phone, they were higher than I expected. Next day, I called a local Progressive agent, and the quote was something like 10%-20% less. I guess it all comes out in the wash, but not sure if I really believe that. I think insurance companies make mistakes in pricing all the time. If not, why would you see ranges of quotes that vary by a factor of three from different companies? Anyway, I have been very happy with Progressive, but, as always, the rubber meets the road when you have a significant claim. No experience there.
Kip
Progressive has little benefits I am often not even aware of. When A rock cracked our windshield a few years back, we discovered we had a "disappearing deductible," which reduces your deductible 20% (I think) each year you don't have a claim. Since it was more than five years, we paid nothing for the windshield replacement.
When I originally got quotes from Progressive (the company) over the phone, they were higher than I expected. Next day, I called a local Progressive agent, and the quote was something like 10%-20% less. I guess it all comes out in the wash, but not sure if I really believe that. I think insurance companies make mistakes in pricing all the time. If not, why would you see ranges of quotes that vary by a factor of three from different companies? Anyway, I have been very happy with Progressive, but, as always, the rubber meets the road when you have a significant claim. No experience there.
Kip
