We finally got around to calling Progressive about the difference in my quoted price v/s their renewal price … ugh! The first person we spoke to started out with ‘just cancel the old policy & open the new one’. Which, great — except it’s a pain. And we lose the ‘perks’ that come with being a long time customer. Including some 250$ off the deductible. Start a new policy, have the bad luck to get in an accident, and saving 150$ just cost me 250$. Not a great deal, that. Plus our home insurance is tied in with the car insurance. And the only reason I didn’t just buy insurance from GEICO (who had the lowest quoted price) is that I didn’t want to screw with the home insurance right now.
Luckily, she transferred us to an insurance agent for help. He checked and there was no way they could price the policy we had at the price quoted under my name. He was able to move the reduced deductible over to the new policy (although it’s still a pain that they have no provision for just swapping the names … and it’s even more of a pain that the person listed first makes such a difference in pricing!). Final price was 164$ for more coverage than the policy they wanted 321$ !?!?! Only took an hour and a half to get there! And I’ve got a really bad feeling the same thing can be done with the homeowners insurance. 🙁