Disclaimer. Please don't berate me on my terrible driving… I know this is 'my fault' and I feel all the horrible feelings I possibly could over this. I'm 28, if that matters.
So. No DUIs, never suspended license, or anything like that. Ran a red light late 2017, speeding tickets here and there. But the major thing is I got in 2 accidents back to back 3/2018. I totalled my car and got a new one and was paying $430 a month, fine.. Then a minor fender bender 2/2019 (there was no damage, the cop the other driver insisted on calling even came to me after and apologized, didn't cite me and said it was "bullshit she even called"). And a camera speeding ticket 3/2019. I knew that my rates would go up, but this is insane. $1,520 is a full paycheck (I get 2 a month) and I can't afford to live on one paycheck a month…
My daily commute to work is 70 miles, round trip and I can't relocate to eliminate the need for my own vehicle. I would still have to travel for work as well. I owe $13k on my car still so I have full coverage right now. I dont know if I could, but would it be significantly cheaper to pay it off or somehow trade it for a beater car I'd own outright?
I could talk to my mom and see if I could go on her insurance and pay whatever it cost to add me, but would it still be as expensive to have me or my car (with my terrible driving history) on her insurance? I dont even know how/if that would work.
I can't afford this and am at a loss. I don't know what to do and can't not drive. I can't not have insurance. (Getting caught means suspended license until I get proof of insurance, and pay the $1,000 fine plus $100 reinstatement fee).
So, I've come seeking advice (besides 'drive better'…) if there even is any out there.
I do have a local insurance agent and am waiting on a callback from them to see if they can give me any advice, but I doubt it. When I was looking for insurance for this new car, progressive was the only company who would take me besides the general and their prices weren't better then so I dont think they would be now.
Yesterday I got a flat tire and called progressive for road side assistance. Over the course of 4 hours I got constant updates saying they would be there anywhere from an hour to 10 minutes. The roadside assistance company sent me 3 different texts with different towing company information during that time. I eventually fixed my own car after 4 hours and drove home without any help from the tow companies.
I pay 100+ per month for auto insurance, including road side assistance. This is the first time in 20+ years I have required assitance from an insurance company. And the one time I need help, I get dicked along for 4 hours.
I just sold my house and am moving to a new one at the end of the month. I've been with State Farm for home and auto for the past 10 years. I always just had them cause my parents have always had them and I've never thought much about changing until I reached this transition point.
After comparing rates I am realizing State Farm is on the higher side. I've found Progressive's home and auto policies to be considerably cheaper with comparable coverage (at least on paper), but I am reading ASI's reviews and it is making me hesitant. I always thought of Progressive as a legitimate insurance company (vs "The General" and all the sketchy companies that advertise during daytime TV), and it is hard for me to imagine they would risk their reputation by offering policies through a terrible company.
I know you're way more motivated to write a review after having a negative experience than a positive one, which would explain so many bad reviews and so few positive ones, but I thought I would ask around here to see if anyone knew much about ASI and if they were a safe/legitimate company to go with?
( WARING ))))) PROGRESSIVE INSURANCE? DONT BE FOOLED…. WARNING WARNING WARNING WARNING….. PLEASE BE AWARE THAT …
PROGRESSIVE INSURANCE IS THE SAME AS GEICO INSURANCE SAME SERVICE SAM COMPANY BUT DIFFERENT NAME…… THE EXPERINCE I HAVE GONE THROUGH,I DONT YOU TO GO THROUGH IT TOO….SO PLEASE READ ON BEFORE YOU CONSIDER PROGRESSIVE AS YOUR INSURANCE COMPANY…. THIS IS THE WORST INSURANCE COMPANY YOU COULD EVER HAVE!! DON’T BUY!!! You think at first that is a great deal, funny commercials, and nice customer service at the time of purchase…but its ALL FAKE WITH FAKE SERVICE..and Not make youir life easier like stated in the commercial..everything has been a complete and utter nightmare… PLEASE LEARN FROM MY MISTAKE… REGARDING LEXUS GS300… STAY AWAY FROM PROGRESSIVE INSURANCE AVOID. AVOID. AVOID. AVOID PROGRESSIVE…. WARNING for consumers looking to purchase a new auto insurance If you do not have unlimited funds – or you really don’t feel like throwing your money out the window – go with someone else – I really can’t imagine doing any worse than Progressive – Should be Regresssive Insurance instead. BUYER BEWARE!!! In fact, DRIVER BEWARE, for there are other people driving on the road with Progressive and you’ll probably never get what’s owed to you They are deceptful and go to any length to deny coverage to their insured. I would like to brielfy describe my incident with progressive, a while back i was driving on a normal 45 mile, and suddenly a truck coming fast from the Right exiting the freeway and hitting red light jumped infront of my car and caused my car excessive damage as you can see in the images i have provided… Considering i have liabilty and the offender has full cover..NOW Getting straight to the point, the police report did not state anything, as being the offenders fault, only that the insurance company will have to resolve it from here.. After waiting 1 and a half month to hear from progressive, they stated that they are not able to cover me for any kind of damage, and will not pay a cent… VERY DISAPPOINTED…i had no choice i had to fix it with my OWN EXPENSE..as i needed the car back on the road, to go to work with. THIS IS WHAT PROGRESSIVE DID TO ME….A REALLY BAD EXPERIENCE TO HAVE TO GO THROUGH…ESPECIALLY KNOWING I WAS NOT AT FAULT….AND BEING SO RELAIBLE WITH THEM…THIS IS WHAT I GET….USELESS To sum up evrything i would like to point out that i have nothing against progressive, but just want to let other consumers who are willing to join them…to BE AWARE THEY DONT FULLY COVER YOU FOR WHAT THEY PROMISE..either if you are a full or liabilty…..Luckily i had my own money to have fixed MY LEXUS GS300….BUT I WANTED CONSUMERS LIKE YOURSLEF TO NOT GO THROUGH THE KIND OF HEARTACHE EXPERIENCE I WENT THRoUGH….ESPECIALLY KNOWING YOU WERE NOT A FAULT…PLEASE TAKE IT INTO CONSIDERATION BEFORE JOINING…. TO POINT OUT AN EXTRA POINT ALL STATE AND STATE FARM ARE THE TWO OF THE MOST TRUSTABLE INSURANCE YOU CAN EVER SIGN UP WITH, AS IAM NOW WITH STATE FARM AND IAM EXTREMELY HAPPY….GREAT SERVICE AND QUALITY..WHAT THEY PROMISE THEY DELIVER…YAA AM PAYING ALITTLE MORE BUT IAM RECEIVING THE KIND OF SERVICE IAM ENTITLED TO RECIEVE.