progressive is targeted at bad drivers.... i know this how? because i was a customer of theirs for several years......
when my license was suspended, they were way cheaper than anyone else.... when you get into trouble after that, they really suck... they are slow at paying damages, and really are only in it for the money.... they wont fight for your rights..... an will jsut settle with larger insurance companies, so they don't have to do any real fighting for oyu.... they are supposed to be trying to watch your back, but they jsut watch their own.....
since i am in the military now, i have USAA, much better of a company, thier insurance is a little on the expensive side, but when i was a moron and ran a red light, they got me a rental car, until my claim was settled, and they took really good care of me......
now granted you have to have insurance, and sometimes it is all you can get.... but progressive is jsut out for themselves.... the piece of mind i have knowing i am with a good company now, is worth the extra few dollars