Ripped Off

I am so angry at Progressive Insurance.
Neither I or Mark has any moving violations (traffic tickets)
We were referred to them by a family member. our quite was excellent.
for the state minimum liability. Mark's was only $19.60 a month mine was a little higher because i haven't been driving as long as he has. mine was $22.40 equaling $42.00 a month
We got a discount because we chose to pay every 6 months, not monthly. Plus Mark being a
US Army Veteran he got a 25% discount so we only had to pay $160.72 every six months.
we were totally happy, then when we got our next bill it said we owed $225.92.

Mark called right away and asked them what's going on? They said due to inflation, company cost, and fraudulent claims, we had no choice but to raise the cost of your Insurance policy. He asked what dose that have to do with us? Why do we have to pay for something we have nothing to do with? They said its called overhead when it gets to high you pay. It has to come from somewhere. They then said next payment period should be lower, but no guarantees that it will.

The next payment was $387.98. this time I called I chewed them out. Something I shouldn't have done, but did. I demanded a supervisor, they refused to get one for me. I told them if they don't get me a supervisor right now, I will report Progressive to the state. They said go a head, you have that right. Just to let you know, every state we service gets kick backs from us, so your report it will fall on def ears. I knew what they meant by kick back, but i wanted to hear it from them because i was recording the call. They said "kick back = big money payments under the table." in trade we get to, basically do, and charge whatever we want.

After that we started searching for another Insurance company, but Progressive had us locked in. when we called others for a quite they would ask if we are covered? we would say yes. They then would ask for the company name and our policy number. Then they would call Progressive and Progressive would give a bad report on us. and the company we called would tell us sorry we can't cover you, or they would give us an absurd price of $185.70 per month with no discounts whatsoever. and would not let us pay every 6 months or yearly.

So, we had no choice but to stay with Progressive. then we moved to South Dakota
reported it like the law requires we got new Drivers licenses and tags for our vehicles.
Progressive claims we live in a high risk area and says we do not have a garage for our vehicles. So Mark called this time they said why we are in a high risk area is because of violent storms and tornadoes, you are in the heart of tornado alley. He said so what's the difference Indiana is in tornado alley also? they tried to tell Mark that Indiana hasn't had a destructive tornado since 1974. he said Bull Shit! I'll call you right back, may i have your direct number so i can finish this with you? he said sure and gave his direct number.

Mark did some research from the National Weather Service. and found there are 68% more violent tornadoes in Indiana, than there are here. Indiana has already had three confirmed tornadoes this year, one of which did damage. There hasn't been any reports of a tornado here in our area of the state this year. Since we have been here there hasn't been a thunderstorm we have only had nice gentle spring rains. So, Mark called them back and gave them this information, and the web addresses he found the info at. The progressive guy said The NWS is a sick joke, they don't know the difference between a buttocks and a pumpkin.

Mark then said i want to cancel our policy. The man said you can't, you have to let the policy run out. Mark asked why? He said because you are paid up till April 23, 2015. Call us on April 22, 2015 then we will gladly cancel your policy. So, Mark called Progressive April 22, 2015 at 10:00 AM and cancelled the policy. He then went back to USAA, where we had a policy before. We pay by the year, its much cheaper paying by the year.

Today we get our mail and there's a bill from Progressive saying we owe them $803.32 on our policy for one year of coverage. This time I called - I was nice this time - I told them we canceled our policy on the 22nd of April 2015. they told me that we couldn't cancel until our contract ran out. I said what contract? they said the  five year contract you, and your husband entered into on November 12, 2012. if you want out of that contract you have to pay the remaining contract period which would be a total of $1960.00 plus this payment of $803.32 for a grand total of $2763.32. I said there is no way we are going to pay you that, because we never signed into a contract. if we did? we were not aware of it, and that would be deception on your end.  I then said, I'll have our attorney call the Progressive corporate office. Have a good day, good bye.

We have since reported this to the state of Indiana, South Dakota, they both took our report and told us to report this to the national insurance institute, they gave us their toll free number. So, for now we are paying for two auto insurance policies.

The family member that referred us to Progressive also had a similar incident with Progressive raising the rates on them, but they didn't have any issues canceling.

Our advice to anyone reading this: Do Not get Insurance with Progressive or their partners.
if you are already with them drop them as soon as you can, they will screw you over.