Ditching Progressive.

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(Or: When the Math Stops Making Sense)

I don’t make insurance decisions emotionally. I don’t loyalty-shop, either. I pay attention to patterns, numbers, and how I’m treated when things actually matter.

And that’s exactly why I’m leaving Progressive.

Let’s start with the part that broke the spell:
Progressive charged me $189 for the remainder of January. Fine. That part I expected. But when I called to cancel my policy effective February 1, I was told I would still owe another $180.

For what, exactly? Coverage I wasn’t using? Time that hadn’t happened yet? The explanation was vague, circular, and ended with a shrug disguised as policy language. That’s a recurring theme.

Over the past several weeks, Progressive’s customer service has been inconsistent, unclear, and exhausting. Long holds. Different answers from different representatives. No clean explanation of charges. No sense that anyone owned the problem or even understood it fully. Just a steady hum of “that’s how it works” without ever explaining why it works that way.

And then there’s the cost.

Progressive wanted $477 a month for auto insurance.

Same driver. Same vehicle. Same risk profile.

I switched to USAA and now pay $170 a month for significantly better coverage, including renters insurance.

That’s not a small difference. That’s not a rounding error. That’s a structural failure in pricing logic.

I don’t expect insurance to be cheap. I do expect it to be rational, transparent, and proportional. When a company charges nearly three times what a competitor charges for better coverage — and can’t clearly explain its billing or cancellation math — trust erodes quickly.

This isn’t about one bad call or one frustrating interaction. It’s about a pattern:
• opaque pricing
• confusing billing
• weak customer support
• and an expectation that customers will simply accept it

I didn’t.

So I left.

Not dramatically. Not angrily. Just decisively.

If you’re with Progressive, I’m not telling you to run. But I am suggesting you look closely at your bill, ask hard questions, and compare your options. Loyalty is only worth something when it’s mutual — and when the numbers still make sense.

Mine didn’t.

And that’s the whole story.

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