Have you ever had a claim? Reason I ask is I believe you...as far as handling a claim, Progressive has been top notch in both our recent child's totaling of our SUV and a past Motorcycle accident. However I have been told by my private insurance agent, come the end of our policy term next summer, she will be looking to get us into something else due to the recent claim. Progressive is the worst there is for Surcharging you after a claim. Things are top notch with them as long as you do not make a claim and keep the insurance. They will make you pay! I did not get to find out on my Motorcycle accident, where they gave me more than I paid for the bike on the claim, because I hung up my riding pants after the accident and did not need insurance anymore and cancelled. They all surcharge, it is how much where Progressive really nails ya!