It may come as a surprise to some of you, but I actually have a clean driving record (for the last 3 years as far as insurance is considered anyway). Even with what I drive and the way I drive, I'm clean. So is Jen.
This makes it very difficult for me to understand why my insurance continues to climb EVERY six months. "Oh we had to adjust our policies for NY state." Shenanigans! There's no reason for my policy to go up $60-$70 every six months for "adjustments" or whatever. Can't be possible.
Well today I received the renewal notice for my policy which would be effective 3/28. It would now go up to $1028 for six months (note: that is for two cars and two drivers). That is ridiculous when just this past six months it was $900-something. And $800-something before that. Come on people, we need to put a stop to this.
So in a bit of frustration I (politely) called Progressive and pleaded my case asking for some sort of understanding. The girl I first spoke with told me there's nothing obvious on my policy that would be causing such a hike but instead blamed it on the "updates" for NY. I explained I live no where near NYC and was hoping that wasn't having an effect on my insurance. Well what they change/adjust for one part of the state is carried out for the rest of it basically.
BUT, she said she could direct me to a NY licensed agent that would be able to review my policy and see if there's anything they can do.
Well this guy must be a miracle worker or something then because he knocked over $200 off of my six month premium after a few minutes. How? Ya, I'd like to know the truth on this one, but here's how I understand it at the moment...
Les (the guy I talked to) explained that he was entering my stuff (same coverage) into their "new program" to generate a completely new quote. OK, that seems fine. But if this "new program" can save me that much just by creating a new quote - how is this "new program" not the "standard program?" Why is this not used by every quoting system Progressive has?
If I go online for a new quote, it's not anywhere near that. So while I'm super happy my payment went from $214 for the first month to around $140 for the first month, I'm still left a bit curious how I could save this much money from a requote after being a customer for 6 years - and why I have to go through this much trouble to get a new quote. Just feels to me like if this new system were the standard for them, my renewal would have gone through at least close to this rate without my having to call and whine about it.
Oh well though. I have to call back on Thursday to finalize it and provide the first payment (that's the catch) but it's WAY worth it for the premium I'm getting. So I'm happy overall - just have to question why it was this hard and how it is SO much cheaper this way. I would strongly encourage any of you to call and ask about your policy if it feels like it goes up for no reason.