$335 per MONTH?! That's half my six month policy and I'm essentially fully loaded on my policy.
Mind if I ask if the accident involved speeding or drinking or something else?
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Progressive insurance Model Y
- Thread starter Bednarz42
- Start date
Mind if I ask if the accident involved speeding or drinking or something else?
Nope it was a relatively small fender bender lady veered into my lane when someone parked swung their door open. I was only deemed at fault because I hit the back of her. Pay out was 28,000.
For shits and giggles Chubb quoted me 8500 a year.
Attachments
ChrgdTeCHick
Member
Geeze mine didn't go up that much when I was 23 and got into an accident (I wasn't insuring a Tesla then but still)
Are you using an agent to shop around for you? Agencies always got me the best deal than going direct.
yea I’m only 28 now. I’ve been use to high-ish rates part of living in NYC and driving fast cars (my 2 previous cars were Audi S4s).
I shopped on my own and went through 2 different brokers. one high end and one normal she was able to save me 50 off of the online quote from Nationwide .
HeyEph
Member
OK, just got my renewal rates from Progressive. Mine is going up $428 per year ($214 for 6 months). Ouch.
Have we determined that someone has better rates than Progressive?
Have we determined that someone has better rates than Progressive?
DeenDeluxe
Member
I have a Progressive policy with a BMW X5 and Honda Pilot on it. Added the Model Y, as required for delivery, and policy went up by $120 per month. This is with zero accidents or tickets. The only time I have actually used the insurance was for a windshield replacement. I'll take off the BMW soon, so it will interesting to see how much the payment goes back down. If it's still high, I'll be shopping around.
HeyEph
Member
I just ran an apples to apples with Liberty Mutual and it's coming in at $287 cheaper per 6-month period for me. Awaiting quote from State Farm.
Ha that’s probably the lowest I’ve ever seen on here.
I don’t think anyone is going to feel bad there.
HeyEph
Member
HeyEph
Member
Yeah, just checked Costco and they are more expensive for me than Liberty, apples to apples.
Costco home owners also coming in much higher than Progressive or Liberty for me, apples to apples.
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rxlawdude
Active Member
That's not our experience. On homeowner's, you're right that they were higher than AAA. But for auto, they were significantly cheaper for identical coverage plus umbrella policy. We've used them for over five years now, and with the exception of a windshield replacement on my wife's long-gone Lexus, have never had a claim. We're at around $1800/yr for a 2017 M3 and 2020 MY, both more "experienced" good drivers.
I had progressive for roughly 10 years or so and my rate was very slowly creeping up so i went and got a quote as a new customer from their site and surprise it was around $400 cheaper for 6 months. They were able to honor it but had to cancel my policy and sign me up on a new one. I guess they offer promotional rates to get people in the door.
My renewal with progressive also went up from $880 to $1,050 for the 6 month renewal. Model Y went from $583 to $662 and our Lexus UX 250H went from $297 to $388 with same coverages for both vehicles and two drivers.
Location: Houston, TX
Bodily Injury & Property Damage: $250K/$500K/$100K
Uninsured/Underinsured Motorist Bodily Injury: $250K/$500K
Uninsured/Underinsured Motorist Property Damage: $50K with $250 deductible
PIP: $5K
Comprehensive: $500 deductible $0 glass deductible
Collision: $500 deductible
Rental: $40/day
Roadside Assistance
Location: Houston, TX
Bodily Injury & Property Damage: $250K/$500K/$100K
Uninsured/Underinsured Motorist Bodily Injury: $250K/$500K
Uninsured/Underinsured Motorist Property Damage: $50K with $250 deductible
PIP: $5K
Comprehensive: $500 deductible $0 glass deductible
Collision: $500 deductible
Rental: $40/day
Roadside Assistance
Bait and Switch, pure and simple. Progressive did not make a "mistake", they just suckered many people like me to switch to them then more than doubled the rate at the first renewal. No explanation, no apology. My Y was increased by $757!! for 6 mo.
My advice to all is to stay away from them. Simply unethical behavior.
My advice to all is to stay away from them. Simply unethical behavior.
rxlawdude
Active Member
ScoobyDoo82
Member
I use Progressive insurance. My cost (for me and the wife) is $195/month - full coverage 100/300/100. Tesla’s aren’t cheap to insure. It is what it is. I have a spotless driving record, haven’t had any accidents or tickets in over 10 years. For reference, my 2018 Accord with the same coverage was only $89/month. Tesla’s own insurance was $5 more a month - but I’ve been with Progressive for almost 15 years and have a super bad crush on Flo.
Mine went down $6 for the 6 month policy; wish they were more honest with me and just stick with the same amount!
Very difficult to compare coverage, rates and quotes among each other. So many variables: location, driving record, other vehicles on a policy, other people (spouse, kids) on a policy, credit history, various discounts some qualify for and others don’t, bundling with homeowners insurance and so on.
Best bet is to shop around and find coverage that works for you.
Best bet is to shop around and find coverage that works for you.
