Posted On: December 23, 2008, 1:46 pm CST

Posted By: Stat Guy

I agree with Ha!. Progressive's marketing creates a false impression that they are comparing apples to apples and when the consumer later has a claim, they find out that their low rates were the result of higher deductibles, lower limits, shorter policy periods (6 months vs 1 year)..and as mentioned the application of credits. Insurance does not have to be complex but the consumer should know some basics before they go online to shop so that they can get a clear picture of their position in the market. I think Progressive does a disservice when I see the commercial where a lady wants "lots of coverage" and "roadside assistance" instead of calling the coverages with the actual terms; by using everyday language to market what is a complex legal contract, consumers a lead to believe that it really is "simple"; maybe that's what Progressive wants but I had to show my kid how he gave up coverage for price, without knowing it until he had a glass claim and wasn't covered.