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The changes have come from a progressive insurance company aimed at offering even more competitive rates for motorcycle and recreational vehicle policies. The company’s successful pricing strategy that promotes savings and flexibility for personal auto insurance will be used for bikes, boats and RVs. Naturally, the exact details of how rate quotes are determined for any given policy are a well-kept secret, but Progressive strives to offer competitive prices to all customers, no matter what. How do they choose to buy insurance? Recently asked “Why now for motorcycles and recreational vehicles?” The response was “Progressive has always priced our policies based on our costs. Over the past several years, we have seen loss costs across channels decrease and our prices will now reflect those cost differences. Our aim is to provide the most accurate (competitive when, where and how customers want to buy boat, motorcycle and RV insurance priced at a price.”
Progressive encourages consumers to buy their products however they want. Progressive insurance quotes are easy to obtain online, by telephone, or in person, either directly from the company or through an authorized Progressive agent. The most astute buyer, looking for the best price, will compare quotes from more than one company and more than just one distribution channel. People often think that rates are automatically higher than an independent agent because of sales commissions, but this is not true. Customer service, marketing and other tasks performed by the agent replace the work performed by the company’s employees and thereby reduce costs. Progressive takes everything into account and prices accordingly, no penalty for how, when and where the consumer buys the policy, and it keeps the rates very competitive. Customer service and claims department are common for all.
Progressive is always inventing ways to keep prices low and enhance the experience of its customers. Some of the more familiar ones used for personal auto policies, such as Snapshot, the Price Check tool, and Showing Competitors’ Rates, are “state-of-the-art” and very consumer friendly. Vehicle enthusiasts may want to get a quote for insurance on their special “baby” now and stay tuned for many more positive changes to come from Progressive. No doubt some changes will come with much fanfare and advertisement, and others will not. Keep in mind that Progressive’s authorized agents can be a valuable resource of information and may be able to quote you the lowest possible rate. Independent agents typically offer aggressively progressive rates, but they also have the flexibility to quote and place insurance with a wide variety of companies.
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