The Shell Game
10-02-2023 | 10:10 AM
#1
Thread Starter
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Joined: Jul 2017
Posts: 712
Likes: 578
From: Bradenton, Fl.
The Shell Game
Just received my new Progressive policy. And reading it a line says,
Small Claims Forgiveness
We won't raise your rates if a claim costs us $500 or less after you pay your deductible.
I NEVER had a boat claim and Progressive seemed fit to increase my renewal policy by $150.
So to recap. Have a claim. Have Progressive pay out $499.99 and your rate doesn't increase. Have NO claim. EVER! Rate goes up $150.
Small Claims Forgiveness
We won't raise your rates if a claim costs us $500 or less after you pay your deductible.
I NEVER had a boat claim and Progressive seemed fit to increase my renewal policy by $150.
So to recap. Have a claim. Have Progressive pay out $499.99 and your rate doesn't increase. Have NO claim. EVER! Rate goes up $150.
10-03-2023 | 08:32 AM
#2
Were doomed!
Joined: Oct 2000
Posts: 7,092
Likes: 1,386
From: Chicago, IL
All they saying is IF you have a CLAIM under $500 it wont go up...it doesn't say anything about overall rates not going up...my wife's SUV sits mostly in the garage as we commute to work together...so she got her coverage switch to low mileage (under 10K yearly) her premiums just went up another $30 for no reason other than they can! She called them on it and they gave her some BS that the claims are going up...cars are more expensive to fix...supply chain issues for parts...blah blah blah. They even said "you are free to shop around" .......WOW! there is no loyalty to customers for being with them for over 20yrs? Guess its time to just bounce around from year to year with who ever gives you the best price then huh?? 
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-Wally
Money can't buy happiness, but it can buy horsepower. And I've never seen a sad person hauling a$$!
-Wally
Money can't buy happiness, but it can buy horsepower. And I've never seen a sad person hauling a$$!
10-03-2023 | 10:01 AM
#3
VIP Member
Joined: Jun 2021
Posts: 3,460
Likes: 2,089
From: SW Ohio
Just received my new Progressive policy. And reading it a line says,
Small Claims Forgiveness
We won't raise your rates if a claim costs us $500 or less after you pay your deductible.
I NEVER had a boat claim and Progressive seemed fit to increase my renewal policy by $150.
So to recap. Have a claim. Have Progressive pay out $499.99 and your rate doesn't increase. Have NO claim. EVER! Rate goes up $150.
Small Claims Forgiveness
We won't raise your rates if a claim costs us $500 or less after you pay your deductible.
I NEVER had a boat claim and Progressive seemed fit to increase my renewal policy by $150.
So to recap. Have a claim. Have Progressive pay out $499.99 and your rate doesn't increase. Have NO claim. EVER! Rate goes up $150.
I refuse to give Progressive any of my money, the same as I no longer wear Nike, Levis or shop at Target, among others.
Thanks. Brad.
10-03-2023 | 10:20 AM
#4
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Joined: Jun 2007
Posts: 7,296
Likes: 1,804
From: Merritt Island, FL
LOL,
Our car rates went up WAY more than any of that. That is with my wife being retired and I work from home so pretty much no mileage. Every 6 months.
We use the boats more.
Truck is over a year old 3900 miles.
Want to talk about insurance nightmares, move to FL.
Our car rates went up WAY more than any of that. That is with my wife being retired and I work from home so pretty much no mileage. Every 6 months.
We use the boats more.
Truck is over a year old 3900 miles.
Want to talk about insurance nightmares, move to FL.
10-16-2023 | 10:47 AM
#5
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Joined: Jun 2005
Posts: 11,901
Likes: 1,138
I just moved into a new house (homeowners insurance dropped $2500, house is brand new 2023 built hence the savings over a 20 yr old house yet new house is bigger/more expensive ?!?!?). Agent says he has ONE company that only writes new construction insurance. Auto insurance jumped $500, I moved 2 traffic lights away to a nicer neighborhood! That agent says different zip code.........WTF
10-16-2023 | 10:47 AM
#6
Registered
Joined: Jun 2005
Posts: 11,901
Likes: 1,138
Just received my new Progressive policy. And reading it a line says,
Small Claims Forgiveness
We won't raise your rates if a claim costs us $500 or less after you pay your deductible.
I NEVER had a boat claim and Progressive seemed fit to increase my renewal policy by $150.
So to recap. Have a claim. Have Progressive pay out $499.99 and your rate doesn't increase. Have NO claim. EVER! Rate goes up $150.
Small Claims Forgiveness
We won't raise your rates if a claim costs us $500 or less after you pay your deductible.
I NEVER had a boat claim and Progressive seemed fit to increase my renewal policy by $150.
So to recap. Have a claim. Have Progressive pay out $499.99 and your rate doesn't increase. Have NO claim. EVER! Rate goes up $150.
I wouldn't put in a sub $500 claim on anything.
10-16-2023 | 03:31 PM
#7
Thread Starter
Registered
Joined: Jul 2017
Posts: 712
Likes: 578
From: Bradenton, Fl.
I just moved into a new house (homeowners insurance dropped $2500, house is brand new 2023 built hence the savings over a 20 yr old house yet new house is bigger/more expensive ?!?!?). Agent says he has ONE company that only writes new construction insurance. Auto insurance jumped $500, I moved 2 traffic lights away to a nicer neighborhood! That agent says different zip code.........WTF
If I was to move roughly three miles closer to the Gulf of Mexico my insurance would be cheaper. WTF.. LOL
PostScript. I'm about 25 mi away from the Gulf
Last edited by AmiableDave; 10-16-2023 at 03:35 PM.
