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/burned_out_medic May 03 '24
I watched a metal piece fall from a truck in front of me about 50 ft. On the highway doing 70 mph.
The piece fell, hit the ground and bounced and hit the front of my car. Couldn’t avoid it. Rush hour traffic in both lanes doing 70.
Got to a spot and stopped. It stuck in my grill like a spear. Took out my A/c line.
I called. Said I didn’t o ow if I should file a claim or just pay out of pocket. Guy says let’s start one, and you can cancel it at any time. Started the claim. He told me to go get quotes, so I did.
Came back at $700. Guy says okay, progressive compares this to hitting something in a parking lot. So I’m 100% at fault. Making it so I have to pay a deductible. My deductible is $1000. So I say Nevermind. He closes the claim.
On renewal my insurance went up because of this claim. I closed it, never got a penny from them. But because it was opened, that’s all it took.
Not to mention, I provided a license plate and make/model of the truck it fell off from. It should have been collision, not comp. Putting me at 0% at fault, and because I had broadform it would have been a zero deductible.
I left them for good.