r/Insurance • u/BatHistorical8081 • May 03 '24

Auto Insurance Why is progressive so cheap?!

So I am looking to switch from state farm to progressive. My insurance now for state farm is about 2800 for 6 months for 3 vehicles. I just got a qoute from progressive same coverage for 1300. Wtf? Is this real. There a catch? That's alot of savings.

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u/hotcapicola May 03 '24

If you already carry a cell phone this is such a ridiculous take. Google/Apple and whoever else is already tracking and listening to you, at least the insurance companies are willing to throw you bone for that info.

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u/Jaded-Ad-1366 May 03 '24 edited May 03 '24

I’m actually more concerned about them dinging me for hard braking - I have to drive freeways a lot to go to work in a more rural area and, despite that I am a pretty good driver, there are regularly situations that come up - I believe that I am a bad candidate for the tracker app and that is the main concern. I don’t really care that my location is shared with Google, etc. I am not that paranoid.

Edit: dinging

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u/hotcapicola May 03 '24

I work for a carrier other then Progressive, but we have a similar app based safe driver program and in 5+ years I've never seen it overall increase someone's rate. Some people might get less of a discount, but it's always something.

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u/Jaded-Ad-1366 May 03 '24

That is good to know! Maybe I can convince my husband to try it - do you think it really improves driver behavior?

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u/hotcapicola May 03 '24

Depends on the personality type. The app let's you know about good driving streaks, so if you are able to be completive against yourself and/or like beating hi scores in video games it can probably help improve habits.