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Progressive

Progressive Background
Progressive is the third largest auto insurance provider in the United States , having a total consumer base of 12 million customers. Progressive is headquartered in the Mayfield Village, Ohio. Progressive offers a large number of services and enjoy attractive rates, along with superior customer services that is both online as well as in person. Progressive shall offer you a wide variety of choices on how you should buy or shop for the auto insurance.

Progressive Ratings

  • 2.3
    coverage
  • 2.1
    cost
  • 1.7
    service
  • 1.4
    claims
  • 1.9
    overall rating

Based on 170 review – 1 is lowest, 5 is highest

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There are many subsidiaries of Progressive that are known to be providing many kinds of personal automobile insurance, as well as property casualty insurance, and also about the other related services in the United States. There are three kinds of segments in which the operations are carried out, and are categorized as Personal Lines, Commercial Auto and Other Indemnity. Insurance Policies for the private passenger automobiles are written by the personal lines segment, while recreational vehicles through the independent agency channel or a direct channel. The commercial auto segment looks after the primary liability of the vehicles and also about the physical damage that can be caused to the vehicles that are usually owned by the small vehicles through the many independent agency channels. The other segment that is associated with indemnity is known to be providing a kind of professional liability insurance to the different communities’ banks, principally directors and also officers. There are many other insurance related services that are also provided by these people, thereby adjusting claims in around 25 states for the Commercial Auto Insurance Procedures.

Progressive History
Progressive, with a total base of 12 million customers, is the third largest Auto Insurance Company in the United States. Progressive was formed on March 10, 1937 by Joseph Lewis and Jack Green, with the purpose of providing the vehicle owners, adequate security and protection. Progressive was always popular among the customers, as they provided options that appealed a lot to them, with many easy payment options. In this type of insurance the customers were provided an easy option scheme, through which they can pay their premiums, in many affordable installments. The main aim of the company in providing this kind of installments is to make it easy for the average people to protect one of their most precious investments, their vehicles. Progressive witnessed a steady growth in the next few decades, and was a witness to many new changes in the company. There were new offices of the company in downtown Cleveland, Ohio . The year 1955 saw the death of Joe Lewis, and the company had a new CEO in Jack Green. It was in these years only that Peter Lewis, the son of Joe Lewis, brought new ideas for the overall development of the company, so that the company is in a position to withstand all its competitors. Progressive Casualty Company was formed in the year 1956, with the aim of writing auto insurance for the high risk drivers. Progressive was formed in the 1960s, as a part of the expansion of the company. The 1970s also witnessed many changes with Progressive Insurance becoming a public company. The headquarters of Progressive was also shifted to Mayfield Village , Ohio . In the next few years there was major growth observed in the company, and it soon surpassed $1 billion in the form of premiums. This was a major development in the history of the company and the company also had its stocks listed in New York Stock Exchange Progressive (NYSE.PGR). The fact that differentiates Progressive from the other Insurance companies is that, it never did business by the way other insurance companies did. It introduced a new standard for the different auto insurance products, and was able to introduce a new response claims service, that was available for rendering services and supports to all the customers, 24 hours a day and 7 days a week.

Progressive soon became the largest seller of auto insurance, in the year 1992, and a year later the company decided to shift its focus from the non standardized insurance. It started offering different kinds of its products to all the drivers, and soon the company surpassed $2 billions in terms of premiums. In the next few years cutting-edge auto insurance rate comparison shopping service was implemented. This was a very big relief for all the customers, as now they will no longer have to spend hours calling at different rates to know about the auto insurance rates. Once a customer makes a call at Progressive, he receives a quote and also comparison rates of at least three competitors. All queries of the customers are solved and once the customer is satisfied, he can buy the policy directly over the phone or even locally through an agent. In the same year of 1994, Progressive took a major step, by making a reduction in the human trauma that is caused by accidents. This was achieved, when Progressive introduced the Immediate Response Vehicle (IRV), which was a special kind of vehicle that was able to carry trained claims professionals, to the different areas, wherever the customer required them. It was in the year 2003, that the company launched a new level of claim service, and became the first insurance company in the industry, that took responsibility of managing all the vehicle repairs, and providing all the services to the customers, so that they can get their car fixed after a loss. Progressive is not only able to provide convenience but also helps in providing a peace of mind

There are many ways, in which you can contact the Progressive. The Company has its own website, progressive.com that was launched in the year 1995, and it is one of the few insurance companies that had its presence felt in the Web. Just a year after the launch of the website, the customers were able to download different kinds of comparison rates online, and with the beginning of the year 1997, there were many real time online sales taking place. The site of Progressive is quite popular and is visited by more than a million visitors every month. If you desire to buy Auto Insurance by just sitting at home, you just need to visit progressive.com. In case you are not comfortable with their site, you can also find the independent agents and brokers of the company. The main aim of the company has always been to look after the needs of the customers and to provide them with maximum satisfaction. Keeping this fact in mind, Progressive launched Personal Progressive, which is an online policy management system. The chief feature of this system is that the customer can change coverage’s as well as make payments in the policy, whenever they desire.

Progressive has always desired to keep a step ahead of competition, by offering the products you want and also when you want. This philosophy of Progressive has helped it to become the largest Auto Insurance Company of the country.

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Progressive

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Sided Against Customer

Aug 18, 2012 by Anonymous
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To avoid making legitimate payments to its policyholders, Progressive defends in court negligent drivers who have victimized its own customers. When it’s time for them to pay your valid claim, they will defend the other side in court to avoid payment.


Expensive For No Reason

Aug 07, 2012 by Anonymous
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I have been a customer of Progressive's for 3 years now. I have always paid my 6 month premiums in full in advance. In 3 years I have never submitted a claim or had any accidents. I have 1 speeding ticket for 5mph over from 2 years ago. I've come to find out I am paying an extra $187/per 6mo for said violation! Having said that, my premium just went up by almost 17%.


Sided Against Own Customer

Jul 29, 2012 by Anonymous
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After paying for 15 years, I have an accident that was not my fault (with witness corroboration) but Progressive refused to go to court and instead, settled it as an at-fault accident then cancelled my policy!


Increase Rental Insurance

Jul 17, 2012 by Anonymous
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My surcharge for the bogus number of units increased significantly too with no claims, losses or changes in the policy.


Great Company

Jul 11, 2012 by Anonymous
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I have had their insurance for five years and never a concern over being taken care of. I have had multiple claims with them with no price increase and everything was fixed within a matter of days. They also covered the rental while it was getting fixed. Claims are super easy to submit.


Constant Rate Increases

Jul 05, 2012 by Anonymous
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My rates have continuously increased the last 3 years. I have all the discounts: 5+ years with same company/insurance, multi-car, no accidents/tickets last 5+ years, same cars (all old, newest 2001), same driver and usage, have anti-theft on 2 cars, have electronic monthly payment from checking account and paperless billing, etc...The reason given for the last increase was that my credit score had gone done a little.


50% Refund

Jun 28, 2012 by Anonymous
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I purchased insurance through my agent. I paid for a year in cash and the agent wrote me up with Progressive. After only two months, I sold the motorcycle and canceled the policy. Progressive charged a $30 cancellation fee and returned only 50% of the price a paid for a year. After calling to see if they made a mistake, I dealt with a frustrating phone call trying to get past the computer that did not recognize my policy number.


Added Wife, Doubled Rates

Jun 11, 2012 by Anonymous
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I have been their customer for years now and decided to add my wife as well. I was told that I would not incur any additional charges when I add my spouse. Today, when I called to do so, the rep says that it is not possible and doubled my premium!! She said, " This is all I can do for you... If you're still interested!!"


Salvage Scam

Jun 08, 2012 by Anonymous
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The prices seemed reasonable so I went with it! When I got in a accident with my boat, the Progressive Rep told me to take the boat to the repair shop of my choice and they would send an adjuster out to do an assessment. The adjuster called me and told me he could do the assessment in 1 weeks time, 3 weeks later and after numerous phone calls the guy finally comes to assess the damage. The boat repair shop estimated the repair at $7,000, the adjuster didn't even care about the repair estimate, he looked the boat over and claimed it was totaled and told me they would send a salvage company out to pick it up. The boat repair shop owner told me the adjuster was totally off on his estimate and that I should buy the boat back and repair it. When I told Progressive that I was buying the boat back, they gave the run around for 3 days before they finally agreed. It seemed very much like they didn't want me to get my boat back. I wonder if Progessive has a deal with the Salvage company. It just seemed very suspicious that they so easily totaled the boat and then discouraged me from buying it back. It make sense... get salvage boat, fix it up, and resell it for a profit.


$50 Cancellation Fee

Jun 05, 2012 by Anonymous
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My policy was set to renew on the 13th, but I canceled it on the 1st of the month. 13 days before the policy was to renew. I was told by Progressive that I owed them $1, but that they would waive that. Then they told me they were charging me a $50 cancellation fee.


Insurance USA , USA 4.1 127.0 170 170 Awful company. If there is ever a claim you will be stressed. I have had a home insurance claim and a car insurance claim and I was treated as if I had done something to cause the