At minimum you should have 100,000/300,000 limits. If you care about your vehicle getting fixed you should have full comp and collision and uninsured/underinsured motorist coverage.

Yep. MVRs are expensive and the online raters won't run them before selling a policy. They'll run it once you've paid though. If you have some shit on your driving record, they're going to find it after the fact and yoink a bunch of "discounts" they gave you up front.

Progressive is newer to the home insurance market. Currently they're very bad at the claims side of things. Just a warning.

Disclaimer: Am Independent Agent on Commercial side of things.

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You absolutely should. It costs you nothing but 30 minutes of your time giving them info. They have comparative raters and can run your account across a dozen companies in a few minutes. Just check around with reviews and make sure you don't pick an agent that will do anything to your coverages to just get the business. Those are bad people.

He very much could have. Progressive silos you into a risk profile and no matter your habits as a driver, they don't shift you into safer risk profiles as your account ages. You have to rewrite with them to do that.

Progressive dumps you into a risk bucket through their algorithms. As long as you are a customer with Progressive you cannot move risk buckets. So if you were a shit head or had speeding tickets when you first signed up you're stuck there. You can/should cancel and rewrite with Progressive to get into a different risk bucket. It can make a major different as we see two comments up.