Avoid Progressive Insurance with the Spyder

[Knarfoh]

I'd really love to know what your background is... You're digging the spurs in just a wee bit deep; don't you think? :shocked:
I'll be the first ot admit that you've actually made some very good point.

Not sure if you mean me, but I will assume you do.

First, I have no affiliation with the insurance industry or Progressive Insurance.

Unfortunately, the Internet and world wide web can easily be used to slander or libel someone. To often, overly broad statements are made. It is unfortunate when someone is taken advantage of, but I also believe in personal responsibility. The writer may have very well been taken advantage of or misled. If so, that is regretful.

Clearly, he understood (or believed) the quote he was given was too high. He believed this from the beginning. And he always intended to switch policies if he found a better rate.

This is is where personal responsibility comes in IMO. He needed to shop the insurance BEFORE making his purchase. If he chose not to do that and buy a policy that he (most likely) would be cancelling, then he needed to understand the cancellation provisions and charges (this is where they may have misled him).

Several sayings come to mind "a fool and his money are soon parted" and "(spoken) words aren't worth the paper they are written on". I suspect Progressive will be able to show him (in the fine print) how their cancellation fees are calculated. In the meantime, he will waste his time and the time of some bureacrat to figure out there is nothing that can be done.

If this post had been made from the point of view "THIS IS WHAT HAPPENED TO ME, MAKE SURE IT DOESN'T HAPPEN TO YOU" he could have passed a life lesson on to the rest of us and that would have been the end of it.

Read his first post -- he takes no responsibility for anything and lays it all on the insurance company. Then as he reads the responses to his original post, we glean more and more information from him when he responds. The biggest tell is that HE KNEW (or suspected) THE QUOTE WAS WAY TOO HIGH AND HE COULD DO BETTER. Hence, from the beginning, he knew he would probably be cancelling. Out of expediency, he did business with a company he knew he DID NOT want to do business with. And then when things went south on him, he wanted them to be entirely responsible for the debacle.

If he would like to give me power-of-attorney, I will handle all of his important decisions for him. Or better yet, why don't we let the government decide all of these things for us? Can you imagine a world where we do not have to think for ourselves but we have a government prepared to make all of our important decisions. Wouldn't that be wonderful?

If he loads the gun, points it has himself and then pulls the trigger shouldn't the ammunition manufacturer be held liable if he gets injured.

I would have felt better if he had told me he had dropped out of school in 9th grade to support his family. No. He tells me how much money he makes and what he does. He doesn't even realize he becomes less sympathetic when he does that. He is apparently an intelligent person who got into a fix that he helped create. I have done that myself, but I never laid the blame on someone else without acknowledging my responsibility in the events that led up to the problem.

Yes, I listen to conservative talk radio. Though not a libertarian, I believe in many of their principles. I want a smaller government. I want to be more responsible for making my own decisions (health care ring a bell?). So I guess I am fiscally conservative and socially moderate (yes, I don't care what you do in your house or on your property that does not endanger me or others or create a public burden).

But at what cost?

There is no cost. It was done by means of computers. 932 (as of right now) have read this post, so in the scheme of things, not even socially earth shattering so no cost there either. Our names are not known, so no one needs to feel embarrassed or upset. This is a group of Spyder lovers sharing their stories and opinions.

What the poster should have said was "in my haste to buy my new Spyder, I made a few mistakes including purchasing a policy from Progressive Insurance that I knew was too expensive and one that I intended to cancel right way. Even if you cancel right away, the fees they charge are way to high. Don't let this happen to you". Instead we got one of those BIG BAD INSURANCE COMPANY stories.

My offer to handle his affairs and all of his major buying decisions stands. After this fall's election, if things don't go the way I hope, there will probably be a government agency to do that for him, so he may want to wait.

P.S. I also have too much time on my hands to write these diatribes.

 

[boborgera]

Not sure if you mean me, but I will assume you do.

First, I have no affiliation with the insurance industry or Progressive Insurance.

Unfortunately, the Internet and world wide web can easily be used to slander or libel someone. To often, overly broad statements are made. It is unfortunate when someone is taken advantage of, but I also believe in personal responsibility. The writer may have very well been taken advantage of or misled. If so, that is regretful.

Clearly, he understood (or believed) the quote he was given was too high. He believed this from the beginning. And he always intended to switch policies if he found a better rate.

This is is where personal responsibility comes in IMO. He needed to shop the insurance BEFORE making his purchase. If he chose not to do that and buy a policy that he (most likely) would be cancelling, then he needed to understand the cancellation provisions and charges (this is where they may have misled him).

Several sayings come to mind "a fool and his money are soon parted" and "(spoken) words aren't worth the paper they are written on". I suspect Progressive will be able to show him (in the fine print) how their cancellation fees are calculated. In the meantime, he will waste his time and the time of some bureacrat to figure out there is nothing that can be done.

If this post had been made from the point of view "THIS IS WHAT HAPPENED TO ME, MAKE SURE IT DOESN'T HAPPEN TO YOU" he could have passed a life lesson on to the rest of us and that would have been the end of it.

Read his first post -- he takes no responsibility for anything and lays it all on the insurance company. Then as he reads the responses to his original post, we glean more and more information from him when he responds. The biggest tell is that HE KNEW (or suspected) THE QUOTE WAS WAY TOO HIGH AND HE COULD DO BETTER. Hence, from the beginning, he knew he would probably be cancelling. Out of expediency, he did business with a company he knew he DID NOT want to do business with. And then when things went south on him, he wanted them to be entirely responsible for the debacle.

If he would like to give me power-of-attorney, I will handle all of his important decisions for him. Or better yet, why don't we let the government decide all of these things for us? Can you imagine a world where we do not have to think for ourselves but we have a government prepared to make all of our important decisions. Wouldn't that be wonderful?

If he loads the gun, points it has himself and then pulls the trigger shouldn't the ammunition manufacturer be held liable if he gets injured.

I would have felt better if he had told me he had dropped out of school in 9th grade to support his family. No. He tells me how much money he makes and what he does. He doesn't even realize he becomes less sympathetic when he does that. He is apparently an intelligent person who got into a fix that he helped create. I have done that myself, but I never laid the blame on someone else without acknowledging my responsibility in the events that led up to the problem.

Yes, I listen to conservative talk radio. Though not a libertarian, I believe in many of their principles. I want a smaller government. I want to be more responsible for making my own decisions (health care ring a bell?). So I guess I am fiscally conservative and socially moderate (yes, I don't care what you do in your house or on your property that does not endanger me or others or create a public burden).



There is no cost. It was done by means of computers. 932 (as of right now) have read this post, so in the scheme of things, not even socially earth shattering so no cost there either. Our names are not known, so no one needs to feel embarrassed or upset. This is a group of Spyder lovers sharing their stories and opinions.

What the poster should have said was "in my haste to buy my new Spyder, I made a few mistakes including purchasing a policy from Progressive Insurance that I knew was too expensive and one that I intended to cancel right way. Even if you cancel right away, the fees they charge are way to high. Don't let this happen to you". Instead we got one of those BIG BAD INSURANCE COMPANY stories.

My offer to handle his affairs and all of his major buying decisions stands. After this fall's election, if things don't go the way I hope, there will probably be a government agency to do that for him, so he may want to wait.

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I agree , With you 100% ; And i'll leave it at that.hyea:

 

[Bob Denman]

knarfoh,
The cost that i was referring to was the way that you gave the poor guy both barrels with very little hesitation...Are you always so mean-spirited in your anonymous dealings with folks who just need a place to vent a little bit?
Yes... of course he could have covered his butt with a bit more research; most of us fall into that pit once in a while. pps: Sometimes you just need to give a person a chance to blow off some steam, offer some condolences, help explain the situation if you see where the misunderstanding may be and then move on.
But you weren't so kind...

 

[Dragonrider]

Insurance is like gas - age and location dependent...

 

[SteveMac]

knarfoh,
The cost that i was referring to was the way that you gave the poor guy both barrels with very little hesitation...Are you always so mean-spirited in your anonymous dealings with folks who just need a place to vent a little bit?
Yes... of course he could have covered his butt with a bit more research; most of us fall into that pit once in a while. pps: Sometimes you just need to give a person a chance to blow off some steam, offer some condolences, help explain the situation if you see where the misunderstanding may be and then move on.
But you weren't so kind...

:agree:

We have a "family" type board here and while opinions are welcome, maybe a little lighter hand in the delivery would be appropriate here. I am on other boards where it is very easy for the desire to prove one's "rightness" leads to lengthy and sometimes apparently "mean" posts. Then the other person gets defensive or upset and fires back and where does it end? I would hate to see this board drift into that direction as it continues to grow.

While I agree in principle with knarfoh in this case, there is no need to bash or belittle the OP. Just let him air it out and point out that we understand the frustration, but may disagree with the verdict on the company. I have Progressive and a fair price and no issues.

And Bob you are right, sometimes a person just needs to vent. Right or wrong. Let em! :2thumbs:

 

[Bob Denman]

pps: You said it all WAY better than I did Steve! :bowdown:

 

[Knarfoh]

knarfoh,
The cost that i was referring to was the way that you gave the poor guy both barrels with very little hesitation...Are you always so mean-spirited in your anonymous dealings with folks who just need a place to vent a little bit?
Yes... of course he could have covered his butt with a bit more research; most of us fall into that pit once in a while. pps: Sometimes you just need to give a person a chance to blow off some steam, offer some condolences, help explain the situation if you see where the misunderstanding may be and then move on.
But you weren't so kind...

Read my very first post in response to this subject. No both barrels, etc. And I tried to consistently interject into my first several responses the fact "he may have been misled". Clearly, a number of people have Progressive as their insurance company and are happy. Clearly, there are others who have found better rates somewhere else. I don't mind giving a sympathetic ear to someone's complaints, but his title is AVOID PROGRESSIVE INSURANCE WITH THE SPYDER. Then he gives Progressive both barrels. I don't mind people telling their story, but leaving out the parts that don't help make your point is a disservice.

For goodness sakes! He makes it clear he thought their rates were too high from the beginning and he could do better. And in fact, he did end up doing better. But not before he did business with Progressive. He just chose to do his homework AFTER the assignment was due, not before. He still hasn't acknowledged any error on his part and I suspect he won't. He made some broad assumptions that put everyone at risk (my goodness, he thought his car policy covered his motorcycle - have you ever been involved in an accident with a uninsured motorist? If you have, my heart bleeds for you, not him - to later claim ignorance of the fact wouldn't have done anyone any good if he had been involved in a accident).

I have read a lot of posts and learned a lot of things. Often from others misdeeds and missteps (mostly on installing MODS). And I have learned the most when people have explained, in full detail, what occurred. We only learned what occurred here by posting responses and slowly learning the facts. When part of the explanation he is given for Progressive's cancellation charges includes computer costs, etc. he belittles that. When I offer those costs can be considerable, he basically tells me not to "lecture" him because he is a "well paid" IT person. How the heck is he paid ... aren't computers, etc. free? He is only hearing what he wants to hear and nothing anyone else says will make a difference so I wouldn't worry about him if I was you - he is happy where he is at.

Like the famous poster slogan from the X-FILES states, "the truth is out there", but the truth wasn't in his original post or mine or any of the others. It was from ALL of the posts, taken collectively, together.

Perhaps, Spyderlovers can start a sub-forum where people can go for sympathy, regardless of whether the facts warrant that and he can move his post there? I would have have sympathized with him and thanked him for offering his insight into his dealings with Progressive except he laid all the blame on them and that just wasn't right.

I stand by my claim - it is too easy to slander or libel someone on the internet. And injustices should not be permitted. So yes, at some point, I loaded both barrels and sharpened the point on my pen and wrote how I really felt.

 

[Knarfoh]

:agree:

We have a "family" type board here and while opinions are welcome, maybe a little lighter hand in the delivery would be appropriate here. I am on other boards where it is very easy for the desire to prove one's "rightness" leads to lengthy and sometimes apparently "mean" posts. Then the other person gets defensive or upset and fires back and where does it end? I would hate to see this board drift into that direction as it continues to grow.

While I agree in principle with knarfoh in this case, there is no need to bash or belittle the OP. Just let him air it out and point out that we understand the frustration, but may disagree with the verdict on the company. I have Progressive and a fair price and no issues.

And Bob you are right, sometimes a person just needs to vent. Right or wrong. Let em! :2thumbs:

I won't comment anymore on this subject. Everything that can be said, has been said. I respectifully disagree with "right or wrong" coments should be allowed. But that is just me, I guess.

My uncle once told me - WITH GREAT POWER, COMES GREAT RESPONSIBILITY ..... damn..... I shouldn't have said that. Now you know I am Peter Parker AKA Spiderman.

I promise never to speak of this again.

P.S. ALL MY OTHER POSTS ARE ABOUT MUNDANE THINGS AND THANKING PEOPLE FOR THEIR HELP AND ADVICE. AND OFFERING INSIGHT INTO SOME OF MY OWN MODS. VERY BORING STUFF I GUESS.

Sorry for all my cultural references (X-Files, Spiderman, etc.) but you can learn a lot living in your parent's basement reading comic books and watching DVDs. (That's a joke by the way)

 

[spyder3]

Not sure if you mean me, but I will assume you do.

First, I have no affiliation with the insurance industry or Progressive Insurance.

Unfortunately, the Internet and world wide web can easily be used to slander or libel someone. To often, overly broad statements are made. It is unfortunate when someone is taken advantage of, but I also believe in personal responsibility. The writer may have very well been taken advantage of or misled. If so, that is regretful.

Clearly, he understood (or believed) the quote he was given was too high. He believed this from the beginning. And he always intended to switch policies if he found a better rate.

This is is where personal responsibility comes in IMO. He needed to shop the insurance BEFORE making his purchase. If he chose not to do that and buy a policy that he (most likely) would be cancelling, then he needed to understand the cancellation provisions and charges (this is where they may have misled him).

Several sayings come to mind "a fool and his money are soon parted" and "(spoken) words aren't worth the paper they are written on". I suspect Progressive will be able to show him (in the fine print) how their cancellation fees are calculated. In the meantime, he will waste his time and the time of some bureacrat to figure out there is nothing that can be done.

If this post had been made from the point of view "THIS IS WHAT HAPPENED TO ME, MAKE SURE IT DOESN'T HAPPEN TO YOU" he could have passed a life lesson on to the rest of us and that would have been the end of it.

Read his first post -- he takes no responsibility for anything and lays it all on the insurance company. Then as he reads the responses to his original post, we glean more and more information from him when he responds. The biggest tell is that HE KNEW (or suspected) THE QUOTE WAS WAY TOO HIGH AND HE COULD DO BETTER. Hence, from the beginning, he knew he would probably be cancelling. Out of expediency, he did business with a company he knew he DID NOT want to do business with. And then when things went south on him, he wanted them to be entirely responsible for the debacle.

If he would like to give me power-of-attorney, I will handle all of his important decisions for him. Or better yet, why don't we let the government decide all of these things for us? Can you imagine a world where we do not have to think for ourselves but we have a government prepared to make all of our important decisions. Wouldn't that be wonderful?

If he loads the gun, points it has himself and then pulls the trigger shouldn't the ammunition manufacturer be held liable if he gets injured.

I would have felt better if he had told me he had dropped out of school in 9th grade to support his family. No. He tells me how much money he makes and what he does. He doesn't even realize he becomes less sympathetic when he does that. He is apparently an intelligent person who got into a fix that he helped create. I have done that myself, but I never laid the blame on someone else without acknowledging my responsibility in the events that led up to the problem.

Yes, I listen to conservative talk radio. Though not a libertarian, I believe in many of their principles. I want a smaller government. I want to be more responsible for making my own decisions (health care ring a bell?). So I guess I am fiscally conservative and socially moderate (yes, I don't care what you do in your house or on your property that does not endanger me or others or create a public burden).



There is no cost. It was done by means of computers. 932 (as of right now) have read this post, so in the scheme of things, not even socially earth shattering so no cost there either. Our names are not known, so no one needs to feel embarrassed or upset. This is a group of Spyder lovers sharing their stories and opinions.

What the poster should have said was "in my haste to buy my new Spyder, I made a few mistakes including purchasing a policy from Progressive Insurance that I knew was too expensive and one that I intended to cancel right way. Even if you cancel right away, the fees they charge are way to high. Don't let this happen to you". Instead we got one of those BIG BAD INSURANCE COMPANY stories.

My offer to handle his affairs and all of his major buying decisions stands. After this fall's election, if things don't go the way I hope, there will probably be a government agency to do that for him, so he may want to wait.

P.S. I also have too much time on my hands to write these diatribes.

what do you mean? can you expand a little.. :roflblack::roflblack::roflblack:

 

[Bob Denman]

I stand by my claim - it is too easy to slander or libel someone on the internet. And injustices should not be permitted. So yes, at some point, I loaded both barrels and sharpened the point on my pen and wrote how I really felt.

Still a bit touchy I see... Too bad...
Enjoy the long weekend! :thumbup:

 

[dancogan]

Still a bit touchy I see... Too bad...
Enjoy the long weekend! :thumbup:

Actually, Bob, although I don't agree with everything he said, I think he said it well and without being touchy. JMHO I think we should be very, very careful before pointing the finger (or our typing hand) critically at someone on the internet. it's just too easy.

 

[QTSPYDER]

progressive Insurance

I pay $372 a year ($100 deductable) also I was told I was insured for 10 days when I bought the spyder how ever I did have to show insurance when at DOT. I did not shop around since I have my auto insurance with Progressive so don't know if I could of gotten it for less somewhere else.

 

[Bob Denman]

Hi Dan,
...And that's why I was glad when Steve stepped into the thread and said what I was trying to get to; but in a much kindler and gentler way... I certainly could have been a bit more patient in my approach to this; I really had no dog in the fight... It just didn't seem right to step so heavy on our original poster;but then I did the same thing! pps: Sorry guys! The :cus: just got the best of me! Did I say that out loud?? :shocked: :joke:

 

[Levi123]

I just got my Spyder last week and I'm looking for an insurance company cause I want it to be insured. Do you have any suggestion what insurance company should I get? How much is the rate per month. Please help. Thanks a lot.

 

[dancogan]

Hi Dan,
...And that's why I was glad when Steve stepped into the thread and said what I was trying to get to; but in a much kindler and gentler way... I certainly could have been a bit more patient in my approach to this; I really had no dog in the fight... It just didn't seem right to step so heavy on our original poster;but then I did the same thing! pps: Sorry guys! The :cus: just got the best of me! Did I say that out loud?? :shocked: :joke:

:2thumbs: I'll buy the first beverage! :cheers:

 

[Arr MiHardies]

Sorry for all my cultural references (X-Files, Spiderman, etc.) but you can learn a lot living in your parent's basement reading comic books and watching DVDs. (That's a joke by the way)

what's wrong with any of that?

[insert comment jokingly trying to pick a fight to protect my geekdom that I'm too tired and inarticulate at the moment to type. You can thank my insurance companies special investigations unit adjuster I had to be interviewed by this morning.]

 

[Bob Denman]

[insert comment jokingly trying to pick a fight to protect my geekdom that I'm too tired and inarticulate at the moment to type. You can thank my insurance companies special investigations unit adjuster I had to be interviewed by this morning.]

:shocked: Arr... What'd you tell them?? :shocked: You didn't see me and I didn't say anything; right?? :roflblack:

 

[Bob Denman]

I just got my Spyder last week and I'm looking for an insurance company cause I want it to be insured. Do you have any suggestion what insurance company should I get? How much is the rate per month. Please help. Thanks a lot.

Levi123,
Since most of us are either in the USA or Canada, I don't know if we're qualified to comment on the insurance market in Manila. My best advice is to simply seek out an agent who might represent several insurance companies and let him advise you as to what your options may be.
I'm sorry that I can't be of more help!

 

[wyliec]

Bob D.,

After viewing all these posts you can see the premiums are all over the place. That being said, two people in the same area, same coverage, same age, same insurance company, same driving record, same car may not have the same premium. I think one of the criteria was missed and wasn't hit on here; of course maybe it was and I missed it. You want to take a guess and PM me? I don't want to start this thread up again.

 

[Bob Denman]

Wylie, I ain't going back through this quagmire again... I'll give you a call on Wednesday when I get ouf of class... :thumbup: