05-30-2010
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#1
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Rainbow Boy
Join Date: Oct 2003
Location: Richfield, MN
Drives: 96 Civic HX
Posts: 908
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rates.. USAA vs. Progressive
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
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05-30-2010
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#2
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I need boost in my life
Join Date: Jan 2006
Location: White boy lake son.
Drives: '14 chevy 1500
Posts: 1,192
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Re: rates.. USAA vs. Progressive
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.
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Tyler Aherns
-USN-
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05-30-2010
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#3
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livin the dream
Join Date: Jun 2009
Location: iowa
Drives: 07 zx6r and 04 Rx8
Posts: 451
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Re: rates.. USAA vs. Progressive
you are also probably getting a multi-car discount as well it helps but i dont see it doin that
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05-30-2010
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#4
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Any 2 card caller.
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Re: rates.. USAA vs. Progressive
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.
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"I'll believe that when me shit turns purple and smells like rainbow sherbet."
Some days you're the dog, some days you're the hydrant.
It's always the second mouse that gets the cheese....
I reject your reality and substitute my own.
Superjealousfragilemisswithsexualneurosis----John Valby
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05-30-2010
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#5
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Join Date: Jun 2007
Location: Annandale
Drives: like an old lady 458/1000
Posts: 160
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Re: rates.. USAA vs. Progressive
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!
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05-30-2010
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#6
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Rainbow Boy
Join Date: Oct 2003
Location: Richfield, MN
Drives: 96 Civic HX
Posts: 908
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Re: rates.. USAA vs. Progressive
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
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05-30-2010
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#7
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Rainbow Boy
Join Date: Oct 2003
Location: Richfield, MN
Drives: 96 Civic HX
Posts: 908
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Re: rates.. USAA vs. Progressive
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
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05-30-2010
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#8
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Join Date: Jun 2007
Location: Annandale
Drives: like an old lady 458/1000
Posts: 160
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Re: rates.. USAA vs. Progressive
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.
Last edited by trunks11; 05-30-2010 at 10:39 AM..
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06-02-2010
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#9
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Join Date: May 2010
Location: Richmond Va
Drives: 87 and 89 Chrysler Conquest
Posts: 134
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Re: rates.. USAA vs. Progressive
29 - Progressive - 30 bux a month on the Conquest - 139 a month on my last car "Modded 04 STi".
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Motor Is Tight, Sounds Unbelievably Badass, Intimidates Slow Hondas Instantly
Last edited by C89ZX7R; 06-02-2010 at 12:21 PM..
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06-02-2010
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#10
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Pewp Champion
Join Date: Nov 2003
Location: Blaine
Drives: Teh Bean
Posts: 12,309
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Re: rates.. USAA vs. Progressive
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.
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06-02-2010
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#11
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Join Date: Mar 2005
Location: Blaine, MN
Drives: '91 Automagic
Posts: 13,908
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Re: rates.. USAA vs. Progressive
I just switched to usaa a month ago now from progressive, 6 months ago progressive was cheaper, now i'm at $55/month for liability on ranger and dsm, it was $200 more over 6 months with progressive i still have 2 tickets on my record.
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06-02-2010
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#12
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Rainbow Boy
Join Date: Oct 2003
Location: Richfield, MN
Drives: 96 Civic HX
Posts: 908
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Re: rates.. USAA vs. Progressive
See I always thought USAA was cheaper...
I just dont want to switch and them be like oh we can charge you all of these fees on top of what you pay a month to us.
Can they add things to my bill and not be entirely honest? Progressive that is.
-Colin
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06-02-2010
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#13
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Pewp Champion
Join Date: Nov 2003
Location: Blaine
Drives: Teh Bean
Posts: 12,309
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Re: rates.. USAA vs. Progressive
Quote:
Originally Posted by turbotalon1g
I just switched to usaa a month ago now from progressive, 6 months ago progressive was cheaper, now i'm at $55/month for liability on ranger and dsm, it was $200 more over 6 months with progressive i still have 2 tickets on my record.
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I'm confused. Are you saying Progressive or USAA is cheaper in your case?
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06-02-2010
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#14
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Who has my man-card?
Join Date: Jan 2008
Location: Crystal MN
Drives: a red car
Posts: 2,162
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Re: rates.. USAA vs. Progressive
I used to be on USAA and, but when I bought the house I got a quotes from a couple places and Nationwide came in the cheapest. I triple checked all the coverages to make sure they were the same and it was. My Nationwide agent was suprised as I was and the USAA people were baffled, but couldnt beat it. So I left them. I really liked USAA but Its hard to pass up 400 a year between car and house insurance!
I would say make sure that your quote from Progressive and USAA is the same amount of coverage on every level.
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06-02-2010
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#15
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Rainbow Boy
Join Date: Oct 2003
Location: Richfield, MN
Drives: 96 Civic HX
Posts: 908
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Re: rates.. USAA vs. Progressive
It is the same amount at every level.
It is baffling me, like its one of those "too good to be true" moments.
-Colin
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06-02-2010
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#16
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Who has my man-card?
Join Date: Jan 2008
Location: Crystal MN
Drives: a red car
Posts: 2,162
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Re: rates.. USAA vs. Progressive
Quote:
Originally Posted by cudvig
It is the same amount at every level.
It is baffling me, like its one of those "too good to be true" moments.
-Colin
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Yeah thats the way I felt too! I have been with Nationwide for a year now and been very happy. USAA requoted about 6mo ago, and couldnt beat it still. I would like to get back through them so I will probably check again soon.
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06-03-2010
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#17
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Join Date: May 2010
Location: Richmond Va
Drives: 87 and 89 Chrysler Conquest
Posts: 134
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Re: rates.. USAA vs. Progressive
Ask insurance companies if they go by the offense date or the conviction date, it makes a big difference. I'm with Progressive through Bailey's "agent" and they go by the offense date. Which of course means its off the insurance record faster and you will get lower rates sooner.
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Motor Is Tight, Sounds Unbelievably Badass, Intimidates Slow Hondas Instantly
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