This is what REALLY ticked me off with Progressive. From the HD website, I got a quote. It came to under $300.00, I don't remember the exact amount. Then I did it again and it asked who my current insurance was with. Well apparently Progressive is the company that HD uses and when I entered progressive as my current insurance, it told me that they could not give me a quote because I was already insured with Progressive and I had to go to them to get a new quote. That came to over $500.00.
So if you are a 14 year customer with them with no claims, they charge you over $200.00 per year more than a new customer. Something just isn't right with that.
Now it worked for me the other way also. I've had my house insurance with State Farm for about 15 years. It has gone up every year even though I've had no claims at all. This year it went up again to over $1200.00 per year. I shopped and ended up buying a policy from Progressive with lower deductibles and the same coverage for $660.00 a year. Now I'll just wait for it to start steadily increasing and them change again.
What a racket.