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Progressive Insurance

Discussion in 'Ask An Owner Operator' started by Jarhead235, Sep 28, 2011.

Page 1 of 5
  1. Sep 28, 2011 #1
    Jarhead235

    Jarhead235 Light Load Member

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    Jan 5, 2011
    Aurora, CO
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    Getting everything finished up, and have a question about insurance.

    Quotes have been running 8K or so.....except for Progressive. They are at $3600. Why are they so much lower? Are they disliked by some brokers, or are they a legitimate option?

    As always, thanks for the feedback!

    :biggrin_25514:
     
    Jarhead235, Sep 28, 2011
    Jarhead235, Sep 28, 2011
    #1
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  3. Sep 28, 2011 #2
    jellybean

    jellybean Medium Load Member

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    Mar 1, 2010
    Central MD
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    Is that for bobtail and physical liability? How much coverage, deductibles, and is that paid in full or monthly etc...
     
    jellybean, Sep 28, 2011
    jellybean, Sep 28, 2011
    #2
  4. Sep 28, 2011 #3
    SHC

    SHC Spoiled Rotten Brat O/O

    8,484
    7,046
    Feb 26, 2011
    Westville, IN
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    Progressive only sells insurance plans for short haul, they do not cover otr work. You deff want to speak with a local agent and get all the info.
     
    SHC, Sep 28, 2011
    SHC, Sep 28, 2011
    #3
  5. Sep 28, 2011 #4
    Jarhead235

    Jarhead235 Light Load Member

    56
    22
    Jan 5, 2011
    Aurora, CO
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    SHC - You hit it right on the head.

    They limit coverage to a 500 mile radius. No need to pursue them any further.

    Thanks for pointing that out!
     
    Jarhead235, Sep 28, 2011
    Jarhead235, Sep 28, 2011
    #4
  7. Sep 28, 2011 #5
    dave26027

    dave26027 Road Train Member

    1,284
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    Sep 10, 2009
    Dallas, Texas
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    You got to deal with the cute lady in the commercial, right?
     
    dave26027, Sep 28, 2011
    dave26027, Sep 28, 2011
    #5
    DrtyDiesel Thanks this.
  8. Sep 28, 2011 #6
    CondoCruiser

    CondoCruiser The Legend

    19,726
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    Apr 18, 2010
    Tennessee
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    Though she is a hottie, Progressive and GEICO are both ripoffs. They suck customers in with all the millions they spend on advertisement. Guess who pays for that?
     
    CondoCruiser, Sep 28, 2011
    CondoCruiser, Sep 28, 2011
    #6
  9. Sep 28, 2011 #7
    BigBadBill

    BigBadBill Bullishly Optimistic

    4,599
    4,439
    Oct 2, 2010
    Chattanooga, TN
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    I have known a couple guys that have made claims with Progressive and no issues. But both lost coverage with them on renew. They have exceptions on radius and my agent said they will audit your ITP or IFTA filling if you are in an accident outside the radius. There is some debat on if they are required to cover you if it is found you have exceeded the exception. Majority opinion is that unless the laws of the state say they have to be proactive in monitoring then they can deny the claim.

    It falls under submitting a false application if you know you will be running outside the range.
     
    BigBadBill, Sep 28, 2011
    BigBadBill, Sep 28, 2011
    #7
  10. Sep 28, 2011 #8
    Dino1968

    Dino1968 Light Load Member

    181
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    Sep 22, 2011
    IN MY _ If I tell ya I gotta killya
    0
    I talked with a rep about this very thing at the Louisville show.He claimed thye're getting back into longhaul eventually.
     
    Dino1968, Sep 28, 2011
    Dino1968, Sep 28, 2011
    #8
  11. Sep 28, 2011 #9
    BigBadBill

    BigBadBill Bullishly Optimistic

    4,599
    4,439
    Oct 2, 2010
    Chattanooga, TN
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    They have a couple states that have no limits. But the premiums are much higher.
     
    BigBadBill, Sep 28, 2011
    BigBadBill, Sep 28, 2011
    #9
  12. Sep 29, 2011 #10
    Jarhead235

    Jarhead235 Light Load Member

    56
    22
    Jan 5, 2011
    Aurora, CO
    0
    Acyually, they are getting into long haul NOW. They aren't writing for every state, but they are for Colorado. The initial quote I got online was for the 500 mile radius.

    From what I found in talking to my personal insurance agent, Progressive is a really good company that pays fast on claims, and is known for not getting into the crappy games that many insurance companies like to play.

    I ended up signing with them today after an insurance broker told me that they were going 48 states. Here's what I ended up with:

    1M Liability
    1M Uninsured/Underinsured
    100K Cargo
    5K Medical
    Downtime/Rental truck at $175/day - and THEY help you get the truck.

    Total pice $6589/yr


    They have several payment options, and offer some really good discounts if you are willing to belly up to the bar.

    $5630 if you pay 12 month in full

    $2870 if you pay for 6 months

    That's over a $900 discount!

    I went ahead with the 6 month pay.....comes out to $5740/yr that way.

    They told me they are slowly expanding into the various states based upon how many claims they have had to pay in any given state. Might be worth a call if you are shopping.
     
    Jarhead235, Sep 29, 2011
    Jarhead235, Sep 29, 2011
    #10
    SHC and BigJohn54 Thank this.
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