rates.. USAA vs. Progressive

[cudvig]

So right now I pay 86 dollars a month to USAA for JUST my Miata.

I am soon to be adding a 92 TSI and checked with progressive just to shop around. It is only 60 a month WITH the talon.

What I want to ask is how much difference is there between what will be quoted and what I actually pay with progressive.

I dont understand because I thought USAA was VERY VERY comparable and was basically the best. Do any military folks know if this is true?

Please advise,

-Colin

[98gstaherns]

I've had USAA the whole time and it been the cheapest route. I have 2 cars on it and renters and property. Plus i have bank account with them too and that makes it cheaper. I guess the more you have and the longer you are with them it gets better. If you got more questions let me know. my wife worked for them a lil bit and still knows a couple people.

[96GST16g]

you are also probably getting a multi-car discount as well it helps but i dont see it doin that

[MATCHBX]

Give it another year and a half and your rates will drop. Or go get married. Having multiple car and multiple line discounts help as well. Sometimes just taking out a small life insurance policy with the same company helps drop everything. I don't know if USAA offers life insurance, but with State Farm my ex took out a life insurance policy to gain the multi-line discount. She paid $7 a month for the life insurance policy and it dropped her car insurance $10 or so a month.

They get you if you're under 25, unmarried or have tickets and accidents. Another thing that affects your rates is your credit score. Although, the longer you are with a company and build up a good relationship with them, the better the discounts will be regardless of your credit score. If they still won't drop your rates for these things, threaten to take your business elsewhere. Tell them you are shopping around and usually they will try and find "discounts" for you. I have State Farm and when I switched to them, my agent looked for every possible discount they could find for me. If you have a good agent, they will do these things for you. If not, I would look elsewhere. I've been with mine now for over 10 years and they have always treated me right. My wife has USAA and they have always treated her right too.

[trunks11]

Do you have any accidents or tickets? How about comprehensive claims? Progressive looks back and charges for accidents for 5 years, and any comprehensive claims over $1,000 will increase that quote as well. If you just ran a quote with out your driver's license number that could impact it.

I've been an independent agent for 8 years with 16 companies to write for and I can count the times I've been able to beat USAA premium on one hand. So, it does seem odd to me that Progressive would be lower. I guess you could just call and give them your driver's license number and then see what the quote is.

Good luck!

[cudvig]

They ran my drivers license even.

I have 2 speeding tickets and a careless driving.

When I was doing the quote I added 3 DWIs and 3 more speeding tickets and it rose my insurance 18 dollars... That made me skeptical.
-Colin

[cudvig]

I dont have any accidents or claims.

I have renters insurance with USAA and an IRA. I also had a loan with them and have been with them for 4 years now.

-Colin

[trunks11]

That sounds pretty strange. I know that they charge 1 point for the 1st dwi compared to 3 for a careless driving. 2 points for speeding tickets each.

It should have gone up a ton with all of that in there. Something must be messed up. I've neve done a Progressive quote online since we have an agent version of it. I guess the only way to be sure is to do a full quote with your dl.

Edit: Ran you dl so it must be legit. Guess it's okay then. Their rates have been pretty competitve lately.

[C89ZX7R]

29 - Progressive - 30 bux a month on the Conquest - 139 a month on my last car "Modded 04 STi".

http://sphotos.ak.fbcdn.net/hphotos-ak-snc3/hs573.snc3/31245_396416029908_501259908_3894639_8028381_n.jpg

http://i367.photobucket.com/albums/oo117/cjfranger/My%20STI/IMG_3421.jpg

[Halon]

I've always used USAA because nobody could usually touch their rates. So I pretty much quit comparing and have just stuck with them. I'm curious though, maybe they have changed and I'm just blindly still using them now?

Also, one thing I do know is that if you try to insure a recreational vehicle (boat, wheeler, etc) through USAA, they actaully farm that out to Progressive.