Comparing Quotes Against Progressive Insurance

Progressive Insurance advertises that they give you their quotes and their competitor’s quotes. However, Progressive Insurance is misleading. Progressive actually decides which rates they want to give you. It is very important to compare insurance rates in order to get the best deal possible, but you should get multiple insurance quotes from an independent party.

Auto insurance premiums often change to it’s a good idea to keep shopping around for the best insurance rates possible.

Auto insurance premiums change for the same reasons that the price of other goods and services you buy change.
The prices of the goods and services that insurance companies buy affect the prices they charge. Costs affecting the ultimate price of auto insurance are:

Medical costs to treat injuries

Auto repair costs

Costs to adjust claims

Inflation

Uninsured drivers (your policy pays when the other driver doesn’t have an auto insurance policy if you purchase uninsured coverage)

Although insurance companies can't directly control these costs, companies regularly monitor them to see how they are affecting the costs of the claims they pay. As they change, auto premiums must be adjusted. These costs can affect your auto insurance premium whether or not you individually have had an accident or claim.
Changes you make to your auto insurance policy or coverages may also change the premiums. Adding or removing a driver, buying a new car, moving to a new location or changing how you use your car may influence the cost of your auto insurance.
Your insurance agent is the best person to tell you why or if your insurance policy will change. That’s why it is good to go with an agent you trust. Shop around for agents and policies to ensure that you don’t get stuck with something that will not serve your needs.
Tips For What To Do At The Scene Of An Accident
Knowing what to do if you are involved in an accident can save lives and also make the claims process easier.

Stop your car and find out if anyone is injured.

Call the police or highway patrol. Tell them how many people were hurt and the types of injuries. The police will notify the nearest medical unit.

Cover injured people with a blanket to keep them warm.

Try to protect the accident scene. Take reasonable steps to protect your car from further damage, such as setting up flares, getting the car off the road and calling a tow truck.

Ask the investigating officer where you can obtain a copy of the police report. You will probably need it when you submit your claim to your insurance company.

If necessary, have the car towed to a repair shop. But remember, your insurance company probably will want to have an adjuster inspect it and appraise the damage before you order repair work done.

Make notes. Keep a pad and pencil in your glove compartment. Write down:
- the names and addresses of all drivers and passengers involved in the accident.
- license plate numbers
- make and model of each car
- driver's license numbers
- insurance identifications
- names and addresses of witnesses
- names and badge numbers of police officers or other emergency personnel.
If you run into an unattended vehicle or object, try to find the owner. If you can't, leave a note containing your name, address and phone number. Record the details of the accident.