Progessive Auto Insurance - Toyota Yaris Forums

texkid · 06-20-2009, 10:40 PM

I am with an "Off Brand" insurance company just so I could be able to drive my car off the lot. After a year, i decided that I should chose another insurance company for better protection for my Yaris.

First off, I have a horrible history. I was young and didn't know better. Geico, Nationwide, and other major insurance companies are charging close to (if not over) $200/month.

I looked at Progressive, they are going down to $120 for full coverage (25/50/10). But there is a catch. In order to get it that low, I would have to enroll in "MyRate" which is basically a tracker connected to the ODB. It tracks my cars acceleration, deceleration, driving time, etc; and it sends the info back to Progressive. Supposedly, if it shows that I am a careful driver, my premium will be lowered when I re-new.

My question, should I go with this deal? In actuality, I do already watch my speed/driving due in part to saving fuel and in part because of the crappy car insurance. But, I do occasionally floor it when running late to work or trying to catch thieves in black trucks full of beer. How does it know when that movement was necessary or careless? A real example, what if I had to slam on the brakes because some idiot in a H2 was too busy on this cell phone that he failed to yield when switching from the far left lane to my lane just to catch the off-ramp?

Let me know what y'all think. Thank-y'all and sorry for the long read.

Added Note: If I decline the MyRate feature, I think it goes up to $150-160.

auxmike · 06-20-2009, 10:47 PM

Wow, that's bizzare! I have enough of Big Brother, would I want a SPY in my car too?
I'm super blessed in paying $68/month for my loaded '08 HB with full coverage. BUT, I'm 41yo!

Let's see what the others think. The rates not too bad, but the "black box" thing is kinda spooky.

texkid · 06-20-2009, 10:52 PM

Quote:

Originally Posted by auxmike

Wow, that's bizzare! I have enough of Big Brother, would I want a SPY in my car too?
I'm super blessed in paying $68/month for my loaded '08 HB with full coverage. BUT, I'm 41yo!

Let's see what the others think. The rates not too bad, but the "black box" thing is kinda spooky.

I remember there was a pilot program by another insurance company. But they used a dash-cam type of monitoring. It was a trial-run and short lived.

Here is the link to the Progressive My Rate Program--LINK

POORSHA · 06-20-2009, 11:05 PM

I would do it. If you " screw up" you can always go back to the crappy insurance. Plus obd doesn't show everything.

RedRide · 06-21-2009, 12:01 AM

Quote:

Originally Posted by auxmike

Wow, that's bizzare! I have enough of Big Brother, would I want a SPY in my car too?
I'm super blessed in paying $68/month for my loaded '08 HB with full coverage. BUT, I'm 41yo!

Let's see what the others think. The rates not too bad, but the "black box" thing is kinda spooky.

I agree.
I would never want a spy in my car. This definately scary as its just a small step from this for the gov to require this OBD info also!

nemelek · 06-21-2009, 07:36 AM

Some years ago the insurance companies started to use credit ratings to factor in rates. There were a lot of people mad about that. I have a great credit rating and used that to my advantage. If you are a safe driver take advantage.

Forrest · 06-21-2009, 08:03 AM

If you go with this 'black box' and you do not 'pass' the safe driver marker...does the insurance drop you? Does this reflect on future rates if you do not drive accordingly with OTHER insurance companies? Sounds like a conspiracy and if info is shared, your rates could go sky high unless you drive perfectly.

Bob Dog · 06-21-2009, 08:56 AM

I wonder if that woman on the Progressive TV commercials puts on a spy vs spy hat and coat and comes to your house to put the black box on. No spy boxes for me!

Kal-El · 06-21-2009, 10:55 AM

I hadn't heard of this "MyRate" option but I did switch to Progressive a few months ago and my premium was cut in half for the same coverage as my old provider. I couldn't believe it.

talnlnky · 06-21-2009, 11:10 AM

you said you were stupid in your youth..... have you changed? If no... then going with the cheap rate won't do you any good cause after the first month or two they'll figure out you drive like a tool. If yes... then go with it and don't be scared... if you don't have a scanguage or similar tool already, there really is no concern for you.

On a side topic... progressive would've screwed me... I was out of the country for 6 months, sold my car before I left, they jacked up my quote by like 25% because I went without insurance sometime in the past three years. I even talked to a rep and explained it, they didn't care. My current company (farmers) didn't care one bit.

Phaeton · 06-21-2009, 11:25 AM

Thieves in black trucks full of beer? I can't believe I'm the first person to ask about this lol.

yaris-me · 06-21-2009, 12:46 PM

I would do it to lower my rate. If your rate goes down and you switch company, the new company will have your insurance info from Progressive.

SilverBack · 06-21-2009, 01:01 PM

Quote:

Originally Posted by texkid

Added Note: If I decline the MyRate feature, I think it goes up to $150-160.

I would find out if that's really what my rate would be without the MyRate first. If it is, I wouldn't mind paying that amount if it means Big Brother would get off my back. I personally don't like being spied on, it's annoying.

RedRide · 06-21-2009, 02:46 PM

As we go through life, we all have to take a stand on certain issues.
Having a spy in your car is one of them.

Would anyone also like to have a spy in their residence to monitor their actions?

To me, a car is a personal space just as a residence is and I detest any sort of spying/monitoring.

I'm not some youngster with something to hide. I'm an older gent who realizes the importance of protecting our privacy at all cost!

silver_echo · 06-21-2009, 02:57 PM

to the OP, how old are you, how many tickets/accidents, credit rating good/bad, married/single, student?

i am personally on american family insurance... i switched from progressive to esurance a couple years ago to save money, and then just switched to american family at the end of feb. this year, ran my math and i am saving approx $2k/year to switch from esurance

i currently have 2 tickets, and 1 accident showing

i am insuring 3 vehicles and my apartment with them for $260/month
vehicle 1: 2001 toyota echo
vehicle 2: 2001 toyota prius
vehicle 3: 1993 jeep cherokee

apartment, $70k coverage with my wife's hearing aids($10k) scheduled coverage...

supmet · 06-21-2009, 03:31 PM

Insurance is a scam. I've cost insurance companies exactly 0 dollars over 7 years, and yet some 40 year old that has cost his insurance company 20 grand just in the last 3 years still gets lower rates then me. And then I see this crap about accident forgiveness from all these insurance companies. THERE'S a great idea. Lets discount the people who cost us the MOST money!

Lets do away with insurance, and maybe people will learn to drive....

You might as well just go with AIG since you've already paid a year's worth of insurance in tax money. They're giving discounts to taxpayers right?

texkid · 06-21-2009, 03:31 PM

I have maybe 3 speeding tickets, 3 accidents (1 unreported), license was suspended back in 2005.

I have improved since then. My mother even said so herself!

I am fulltime student, work part time, married, and decent credit rating.

I am still going to look at other insurance companies to see what else is out there.

silver_echo · 06-21-2009, 03:36 PM

okay i am gonna recommend american family insurance... they have good rates and great coverage...

06-20-2009, 10:40 PM	#1
texkid The one with cheese on it Drives: '10 Corolla S Join Date: Oct 2008 Location: Sugar Land, TX Posts: 380	Progessive Auto Insurance I am with an "Off Brand" insurance company just so I could be able to drive my car off the lot. After a year, i decided that I should chose another insurance company for better protection for my Yaris. First off, I have a horrible history. I was young and didn't know better. Geico, Nationwide, and other major insurance companies are charging close to (if not over) $200/month. I looked at Progressive, they are going down to $120 for full coverage (25/50/10). But there is a catch. In order to get it that low, I would have to enroll in "MyRate" which is basically a tracker connected to the ODB. It tracks my cars acceleration, deceleration, driving time, etc; and it sends the info back to Progressive. Supposedly, if it shows that I am a careful driver, my premium will be lowered when I re-new. My question, should I go with this deal? In actuality, I do already watch my speed/driving due in part to saving fuel and in part because of the crappy car insurance. But, I do occasionally floor it when running late to work or trying to catch thieves in black trucks full of beer. How does it know when that movement was necessary or careless? A real example, what if I had to slam on the brakes because some idiot in a H2 was too busy on this cell phone that he failed to yield when switching from the far left lane to my lane just to catch the off-ramp? Let me know what y'all think. Thank-y'all and sorry for the long read. Added Note: If I decline the MyRate feature, I think it goes up to $150-160. Last edited by texkid; 06-20-2009 at 10:55 PM. Reason: Add a side note

06-20-2009, 10:47 PM	#2
auxmike Drives: 2008 HB, A/T, Power W/L/M Join Date: Oct 2008 Location: LI, New Yawk Posts: 2,063	Wow, that's bizzare! I have enough of Big Brother, would I want a SPY in my car too? I'm super blessed in paying $68/month for my loaded '08 HB with full coverage. BUT, I'm 41yo! Let's see what the others think. The rates not too bad, but the "black box" thing is kinda spooky. __________________ Never take eyes off opponent - Bruce Lee

06-21-2009, 07:36 AM	#6
nemelek DWEED Drives: 3DR 2008 Metorite Metalic Join Date: Oct 2008 Location: Arizona Posts: 1,161	Some years ago the insurance companies started to use credit ratings to factor in rates. There were a lot of people mad about that. I have a great credit rating and used that to my advantage. If you are a safe driver take advantage. __________________ Making a decision without following it with an action is still a fantasy.

06-21-2009, 11:10 AM	#10
talnlnky Audio Junky Drives: 08 liftback Join Date: Oct 2008 Location: Spokane, Wa Posts: 1,412	you said you were stupid in your youth..... have you changed? If no... then going with the cheap rate won't do you any good cause after the first month or two they'll figure out you drive like a tool. If yes... then go with it and don't be scared... if you don't have a scanguage or similar tool already, there really is no concern for you. On a side topic... progressive would've screwed me... I was out of the country for 6 months, sold my car before I left, they jacked up my quote by like 25% because I went without insurance sometime in the past three years. I even talked to a rep and explained it, they didn't care. My current company (farmers) didn't care one bit. __________________

06-21-2009, 02:57 PM	#15
silver_echo ekodrvr View User's Garage Drives: 2002 white subaru impreza wrx Join Date: Feb 2009 Location: Spokane, WA Posts: 776	to the OP, how old are you, how many tickets/accidents, credit rating good/bad, married/single, student? i am personally on american family insurance... i switched from progressive to esurance a couple years ago to save money, and then just switched to american family at the end of feb. this year, ran my math and i am saving approx $2k/year to switch from esurance i currently have 2 tickets, and 1 accident showing i am insuring 3 vehicles and my apartment with them for $260/month vehicle 1: 2001 toyota echo vehicle 2: 2001 toyota prius vehicle 3: 1993 jeep cherokee apartment, $70k coverage with my wife's hearing aids($10k) scheduled coverage... __________________ if you want to see my plans for this car, check out here... http://www.cardomain.com/ride/3154316 i like this smiley...

06-20-2009, 11:05 PM	#4
POORSHA View User's Garage Drives: 2008 LB Join Date: Nov 2008 Location: NE CT Posts: 418	I would do it. If you " screw up" you can always go back to the crappy insurance. Plus obd doesn't show everything.

06-21-2009, 08:03 AM	#7
Forrest Drives: 08 LB BLACK Join Date: Oct 2008 Location: NY Posts: 244	If you go with this 'black box' and you do not 'pass' the safe driver marker...does the insurance drop you? Does this reflect on future rates if you do not drive accordingly with OTHER insurance companies? Sounds like a conspiracy and if info is shared, your rates could go sky high unless you drive perfectly.

06-21-2009, 08:56 AM	#8
Bob Dog DARK PHASE OF THE MOON Drives: 07 liftback Join Date: Apr 2009 Location: the Boondocks, NC Posts: 993	I wonder if that woman on the Progressive TV commercials puts on a spy vs spy hat and coat and comes to your house to put the black box on. No spy boxes for me!

06-21-2009, 10:55 AM	#9
Kal-El Drives: 07 Yaris S Sedan 5-Speed Join Date: Oct 2008 Location: Massachusetts Posts: 2,179	I hadn't heard of this "MyRate" option but I did switch to Progressive a few months ago and my premium was cut in half for the same coverage as my old provider. I couldn't believe it.

06-21-2009, 11:25 AM	#11
Phaeton View User's Garage Drives: Blazing Blue Liftback Join Date: Oct 2008 Location: Port Angeles, Wa Posts: 385	Thieves in black trucks full of beer? I can't believe I'm the first person to ask about this lol.

06-21-2009, 12:46 PM	#12
yaris-me Learn to Relax Drives: 2007, Meteorite, LB Join Date: Dec 2008 Location: Anaheim, CA Posts: 2,070	I would do it to lower my rate. If your rate goes down and you switch company, the new company will have your insurance info from Progressive.

06-21-2009, 02:46 PM	#14
RedRide Drives: '09 Yaris carmine red 2d HB Join Date: Jun 2009 Location: Middletown, NY Posts: 1,501	As we go through life, we all have to take a stand on certain issues. Having a spy in your car is one of them. Would anyone also like to have a spy in their residence to monitor their actions? To me, a car is a personal space just as a residence is and I detest any sort of spying/monitoring. I'm not some youngster with something to hide. I'm an older gent who realizes the importance of protecting our privacy at all cost!

06-21-2009, 03:31 PM	#16
supmet Banned View User's Garage Drives: 2007 4 Door Yaris Join Date: Jan 2009 Location: Southern California Posts: 1,357	Insurance is a scam. I've cost insurance companies exactly 0 dollars over 7 years, and yet some 40 year old that has cost his insurance company 20 grand just in the last 3 years still gets lower rates then me. And then I see this crap about accident forgiveness from all these insurance companies. THERE'S a great idea. Lets discount the people who cost us the MOST money! Lets do away with insurance, and maybe people will learn to drive.... You might as well just go with AIG since you've already paid a year's worth of insurance in tax money. They're giving discounts to taxpayers right?

06-21-2009, 03:36 PM	#18
silver_echo ekodrvr View User's Garage Drives: 2002 white subaru impreza wrx Join Date: Feb 2009 Location: Spokane, WA Posts: 776	okay i am gonna recommend american family insurance... they have good rates and great coverage... __________________ if you want to see my plans for this car, check out here... http://www.cardomain.com/ride/3154316 i like this smiley...