Been shopping around for car insurance lately, and um, my driving record isn't exactly spotless (couple speeding tickets and one minor fender bender... oops). Anyway, narrowed it down to Liberty Mutual and Progressive. Liberty Mutual seems pretty forgiving about past mistakes, but Progressive's rates aren't too shabby either, even with my history.
I mean, Liberty Mutual has that accident forgiveness thingy which sounds nice in theory, but Progressive seems to have more flexible payment options and discounts. I'm kinda torn here. Anyone had experience with either of these companies after a few driving slip-ups? Curious if one is actually better than the other when it comes to handling drivers who aren't exactly angels behind the wheel.
I've had Progressive for a while now, and honestly, their payment flexibility is pretty handy. But don't get too caught up in the accident forgiveness hype—sometimes it's more marketing than actual savings. Have you checked out Geico or State Farm yet? Might be worth a quick look...
"But don't get too caught up in the accident forgiveness hype—sometimes it's more marketing than actual savings."
Yeah, gotta agree with you there. Accident forgiveness sounds great on paper, but in practice, it usually comes with strings attached—like higher premiums upfront or specific eligibility criteria. If your driving record's already a bit shaky, you're probably better off focusing on companies known for leniency with past incidents rather than flashy perks.
Geico and State Farm are decent options, but don't overlook smaller or regional insurers either. Sometimes they're more willing to work with you individually, especially if you can bundle policies or show you've taken steps to improve your driving (think defensive driving courses or telematics programs). Also, consider shopping around every renewal period—your situation changes, and so do insurer rates and policies. Staying proactive is key when your record isn't spotless...
Yeah, accident forgiveness always felt a bit gimmicky to me too. When I had a couple dings on my record, switching to a smaller local insurer actually saved me more than any big-name perk ever did. Worth checking out if you're in that boat...
Accident forgiveness can be handy, but honestly, focusing on improving your driving habits might save you more in the long run. Had a similar experience myself—couple speeding tickets a few years back. Progressive was pretty reasonable about it, rates weren't terrible, and they offer decent discounts if you stick with them and keep your record clean. Agree with the smaller insurer suggestion too, sometimes they're surprisingly flexible. Either way, just take it easy out there... fewer tickets means fewer headaches.
