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Your experience with a $1000 or $2000 physical damage claim should be pretty easy with just about any company. It gets trickier when you have valuable car with significant damage or worse yet when there is a big claim for bodily injury -- that is where you start to see the difference. Progressive is very aggressive in fighting bodily injury cases in court while many other companies are more liberal in settlements. That's part of the reason why Progressive had lower rates, they fight more claims and pay out less on average. Of course that's a broad generalization and all claims are different.
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2020 X5 M50i -- Alpine White / Coffee Leather
2020 M550i -- Carbon Black / Beige Leather
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