Progressive has informed me that there’s something in my VEHICLE history impacting my rate, but despite my efforts, no one there can identify what that “something” is. I faced a similar issue back in September and eventually gave up, but this time I’m determined to get to the bottom of it.
Every renewal period, I comparison shop and consider new policies. After quoting with Progressive in September and again for my upcoming renewal, I included a not-at-fault collision from 2020 and a waived glass claim from 2022 (I mistakenly thought tree sap was damage to my windshield). I found a great rate that was $180 lower than the renewal offer. When I tried to finalize and pay, a prompt appeared, indicating a collision in May 2020 had been found. I confirmed this aligned with my reported incident, which is frustrating since it won’t drop off until after my next renewal. Following that, I received a message stating something in my VEHICLE history (not my driving record—despite numerous conversations where eleven representatives at Progressive mistakenly claimed it was my driving record) was increasing my rates, ultimately raising them by several hundred dollars.
I’ve requested four times for my issue to be escalated to someone who can genuinely assist me in resolving this. Unfortunately, no one has taken action on that request.
One agent even misleadingly told me not to report incidents from the past five years, claiming it would cause them to double on the quote. However, three other agents I spoke with later contradicted that advice, confirming it’s not something I should do. My experiences have shown me the importance of reporting correctly.
According to my vehicle history, the only records include its construction and transport to the dealer, their sale to me while reporting the lien holder, and two oil changes with tire rotations. I’ve verified this through Experian, Carfax, and FLDHSMV. After addressing a previous issue with my LexisNexis report last year, I anticipated this renewal would go smoothly, but I was mistaken.
The last representative I spoke with suggested there might be a recall, but a check of my VIN with NHTSA revealed none. He updated my occupation, which lowered my renewal offer by $68, but it still exceeds $1,100. Additionally, my account page hasn’t been updated, showing the original offer—which is 90% more than what I paid for a higher tier of coverage with added benefits in 2020. He acknowledged this was unusual but couldn’t explain why it’s happening.
I’m just looking for clear answers. What is Progressive’s system seeing in my VEHICLE history that hasn’t been disclosed, leading to such a dramatic rate increase—especially a 20% hike when I attempt to purchase the policy?
I totally get how frustrating this situation must be for you. Dealing with insurance companies can feel like navigating a maze, especially when it seems like nobody has the answers you need. It’s a good thing that you’re persistent about getting to the bottom of this.
From what you’ve described, it’s clear that the issue isn’t related to your driving record or anything obvious on your vehicle’s history. It’s puzzling that they keep mentioning the VEHICLE history but can’t clarify what specific information is impacting your rate. If you’ve already pulled reports from various sources and verified that there’s nothing suspicious or concerning, it seems even more baffling.
It might be worth escalating the issue again, perhaps asking to speak to a supervisor or someone in a specialized department that handles these kinds of ambiguities. Documenting every interaction you’ve had with representatives, including their names, dates, and what was discussed, could help build your case.
In the meantime, continuing to shop around for better rates might be a smart move, especially since you’ve already identified a lower quote. Insurance companies often adjust their offers based on competition and your overall profile, so you might find a better deal elsewhere.
Also, if you haven’t already, consider reaching out to your state’s insurance department. They can sometimes intervene when you’re having issues with an insurer and offer additional guidance.
Hopefully, you find some resolution soon—keep pushing for clear answers!