• Report: #670667

Complaint Review: Progressive Auto Insurance

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  • Submitted: Sun, December 12, 2010
  • Updated: Mon, December 27, 2010

  • Reported By: Yong — Las Vegas Nevada United States of America
Progressive Auto Insurance
6300 Wilson Mills Rd Mayfield Village, Ohio United States of America

Progressive Auto Insurance Ripoff Auto Insurance Rates by Progressive Mayfield Village, Ohio

*Consumer Comment: What?

*UPDATE EX-employee responds: Here's what you need to do:

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On the Dec 4th 2010, I bought a brand new Hyundai Accent two doors 2010 version car. I called up the AmeriChoice who is the authorized agent/broker for Progressive which recommended by the car dealer. I was in need of a brand new auto insurance but no much experience because it is my first time ever purchase a car in my life. The agent quoted me $190 per month with $304.75 first payment for six months period with Progressive Auto Insurance. They told me that is the lowest rate they can quote for me. I believe them and purchased it.

About two days later, I found another Auto Insurance company quoted me double less than the Progressive offered. Of course, I called up AmeriChoice but they told me I should call the Progressive directly. Then, I called them up to cancel my insurance immediately. Unfortunately, they told me that I need to pay the two days I've been insured for, on top of the rest of non-active period of my six months policy which is about $134.00. That sounds ridiculous and ripoff to me.

When I signed the Progressive auto insurance application docs at the dealer which faxed over by the agent AmeriChoice, they never explained in detail and clearly about the cancellation terms and the policy as well which is very unfair to me. When I called the Progressive back couple times, one of the supervisor on duty (Dec 11, 2010 - 10:30am ish) wasn't responded my concerns professionally, instead, quickly ended the conversation and say goodbye to get rid of me. I emailed them more than five times, but no proper and satisfactory response given. Their customer service representatives' attitudes are low quality honestly.

I am only a college student who know less about buying cars and auto insurance. I feel like I am being cheated by both the agent AmeriChoice Ins (702-870-4822) and the Progressive Auto Insurance. I hope the Nevada Division of Insurance can give me a justice on this issue. Also, all the public media out there, please help me to publish my concerns to all the people so no more people will be cheated by those companies like I did.

Thank you very much!

Sincerely,
Yong, Tan

This report was posted on Ripoff Report on 12/12/2010 12:39 AM and is a permanent record located here: http://www.ripoffreport.com/r/Progressive-Auto-Insurance/Mayfield-Village-Ohio-44143/Progressive-Auto-Insurance-Ripoff-Auto-Insurance-Rates-by-Progressive-Mayfield-Village-670667. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

What?

AUTHOR: coast - (USA)

quoted me double less

double less?
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#2 UPDATE EX-employee responds

Here's what you need to do:

AUTHOR: Herb - (U.S.A.)

Progressive is just playing by the book and every insurance company will act the same way. In order to get the maximum refund, do the following:

First off, you owe for the days you were covered, from the time you purchased the policy until whenever it was cancelled. If you got into an accident during that time, you would be covered so you need to pay for that.

Second, state law may or may not require you to obtain other insurance before you can cancel. This is the situation in most states, so go ahead and purchase the other policy, and then cancel the Progressive policy, the effective cancel date should be the same day that the other policy begins.

From there you need to check how much they are allowed to bill you according to state law. I don't know what it is in your state but it should limit the amount of days you are allowed to be billed for after the policy is cancelled. Just make sure that you know what it is and pay no more than this amount.

For future reference, it's a good idea to shop around for insurance and not automatically select the agent that the auto dealer recommends. They only recommend the agent because they are receiving a commission from him/her. Every insurance company has their own formula for evaluating risk and rates can fluctuate enormously between companies. Ironically, the best way to shop around is usually to go to progressive.com because they quote you the rates of up to 4 competitors, so you get 5 quotes in one. (and yes, these are accurate. I previously worked for progressive as well as several other insurance companies) hope this helps.

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