Posted On: December 24, 2008, 8:26 am CST

Posted By: wudchuck

what do u mean by gecko's half truths?

1) first of all, if you ever had a web site comparison from progressive, it can never be an apples to apples. remember that progressive does not know how each company underwrites a policy or it's rates based on underwriting. it does not matter from which state it is in. if you look, most of the time on tv, it favors progressive showing. why should it not, afterall it's there commercial. they would not want to show otherwise.

2) is it mass law that it can only be written in 12 mos? most companies write a 6-month policy that renews. over the course of a year, folks can have accidents or incidents that can change the rate. when that year policy is up and rate changes, many folks will balk! that incident could have happened 10-11 months before. then they find out, that it will stay with them for 3 yrs from that renewal if you stay with that company. this was why many companies went to 6-months. otherwise, many folks would change insurances directly after that 3 yrs of the incident.

*** remember that when some of these commercials or even websites, there are some fine lines or words that most folks don't hear or want to read. like the disclaimers for deals on cars - how many times are they in fine print that you can't read it w/o a microscope or said so fast that you don't understand what he's saying? many times those diclaimers if read to be understood, they might take up more time than the commercial itself.