Hi budget buddies. Sorry if this is long but I have to make a final decision by Saturday whether to stay with my current insurance carrier or change to Progressive. I am unhappy with my current carrier because they raised the rates, yet again on my auto and umbrella policies. My renewal amount for auto was $3041.00 per year (With Onstar). I noticed that they did not give me my discounts for low mileage driven and for having Onstar on my car. So, I called them and they gave me my discounts, then sent me my new Declaration/Renewal page in the mail...RAISING my premium. I called and they told me that when I called to get my discounts, that was considered a change to my policy and, in turn, effective that day said it now costs more to insure the car without Onstar and my RV. So, I got my $48 Onstar and low miles credit, but they raised my premium $106.00. So, at the moment, I hate them. I called around and got some quotes and here are the numbers: Current Carrier - $2894.00 per year Progressive - $2618.76 per year (or slightly less coverage) Save $275.24 per year to switch to Progressive Mr apprehension are: 1-My homeowners premium may go up because it will no longer be with the same insurer as my autos; 2-I've not heard very good things about Progressive when it comes to making a claim; and it's slightly less coverage limits than I currently have. 3 - I'm nervous that over the phone Progressive says is will be $2618.76 per year, but I will get my policy/declaration page and it will be more than the verbal over the phone. My thinking is that they will quote low to get your commitment and credit card number, then it will be higher when I get the paperwork. Then, I'll have to pay an additional amount. So, would you stay with your current carrier, or switch? What are your experiences, good or bad with Progressive? Thanks for any input.