11-28-2023, 11:40 AM | #1 |
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So I did not like my Progressive Auto renewal rate for 01/01/2024, so I called to cancel. They re-ran me as a new customer (which I have done before in the past), and I got a much better rate for the same coverages with an even lower comp deductible. Glad they did this because I was about to move over all four of my policies (auto, home, flood, and motorcycle). The only catch is that Progressive no longer offers $0 glass-break deductibles. Not much of a concern like it was on my iX M60 which had a 100% glass roof.
Renewal Rate: $2,907.50 every 6 months (paid monthly) Renewal Rate: $2,500.50 every 6 months (paid in full) New Policy Rate: $776.50 every 6 months (paid monthly) New Policy Rate: $706.00 every 6 months (paid in full) Quite the difference! |
11-28-2023, 01:12 PM | #2 | |
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11-28-2023, 01:45 PM | #3 |
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r33_RGSport13050.00 drbluedevil863.00 |
11-28-2023, 03:00 PM | #4 |
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Did they quote the full amount? Progessive wouldn’t quote me over the $150k mark.
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11-28-2023, 03:03 PM | #5 | |
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I don’t use an agent, but I can put you in contact with the rep that I went through today. I do have her email address. Let me talk to her first to make sure she’s good with handing it out. |
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11-28-2023, 03:05 PM | #6 | |
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11-28-2023, 03:10 PM | #7 | |
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Be prepared to spend at least 45 minutes on the phone as they will rerun you as a new customer. You won’t lose any of your perks or benefits, but they do ask you a gazillion questions that they already have the answers to. She’s calling me on Friday to put my new policies in force. I just asked her how you should handle your situation. If she’s good with me handing out her email address, I’ll send it to you via PM. |
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11-28-2023, 08:15 PM | #8 | |
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I know that many insurance companies left California.
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11-28-2023, 08:16 PM | #9 |
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11-28-2023, 09:28 PM | #10 |
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Nice!! With regards to windshield deductible I ended up getting BMWs (or maybe the dealer’s) windshield coverage as part of my lease. I live close to a place where gravel trucks drive on the freeway and have had way too many cracked windshields the last few years.
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11-28-2023, 09:31 PM | #11 | |
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The dealers in Texas always try to throw it on there unless you specifically ask them to remove it. They call it Prima Plate which is ultimately a third-party company that makes the decision. At least it won’t affect your insurance if you use it. |
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11-28-2023, 10:09 PM | #12 | |
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11-28-2023, 10:21 PM | #13 | |
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In my experience, it doesn’t always work out in your favor; however, there are people like my mother that ding their wheels all of the time and it’s worth it to them. Sometimes the wheel and tires package can cost in excess of $5000 which is insane because you can buy a brand new set of BMW wheels and tires from the parts department for less than that. As with any protection package, you’re basically rolling the dice either way. Always read the paperwork as they’re pushing the services on you during finance. It’s at that point of the transaction that they try to push the services on you when you’re tired and just want to go home. You always have room to negotiate as the dealer takes a healthy portion of the profit. It’s not uncommon to get 50% off. Never hurts to ask. I never valet my vehicle and I generally never hit curbs or have any type of road rash, so I would rather save the money upfront and not deal with a third-party company. I also drive a lot less than the average person since I work from home, so that does factor into it as well. If you’ve already purchased your vehicle, I would go through your paperwork and look at the contracts that were signed regarding these third-party services. The dealer can remove them if you act quickly and they haven’t processed your paperwork yet. |
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11-28-2023, 10:47 PM | #14 |
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Already purchased the car (see my other post) but will review the paperwork. Fortunately I didn’t pay remotely close to $5k for tire/wheel protection.
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11-28-2023, 10:52 PM | #15 | |
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Either way, I hope what I wrote above was helpful to you and to others… |
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12-01-2023, 01:23 PM | #16 |
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12-02-2023, 02:27 PM | #17 | |
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12-02-2023, 03:21 PM | #18 |
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I just paid my next six months premium for $700 with 500/CSL coverage just yesterday. Finally got a progressive agent that knew what she was talking about. She re-ran me as a new customer which takes a long time, but it’s worth it.
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12-03-2023, 05:35 PM | #19 |
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Thank you so much for the info! I would really appreciate it if you are able to share the Progressive insurance agent contact info with me (you can send me PM). Thank you!
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12-03-2023, 05:40 PM | #20 |
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I’ll send it to you tomorrow via PM. Her name is Tracy and is a Progressive direct insurance agent, so she’s not an independent. I would start by emailing her and letting her call you. Be prepared for it take about an hour, but it’s well worth it. I’ve done this once before on a previous BMW. You can also get the $0 glass break deductible after the policy has been written. They can’t add it over the phone for whatever reason. You also won’t lose any of your diamond, or platinum status/perks etc.
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12-04-2023, 02:46 PM | #21 | |
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Awesome....thank you so much, greatly appreciated!! |
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