Progressive insurance auto full coverage?

Progressive insurance auto full coverage?

I've had progressive insurance now for an year, I renew every 6 months. However I'm not too happy with the dollar increase every renewal. Is this normal? I have full coverage and pay $84 now (monthly) 

I've never had a ticket, no accident whatso ever in my life. So I would like input whether or not all/most auto insurance charge you an increase for insurance renewal? 

Please DO NOT tell me it's cheaper to pay a lum sum to get a discount, I can NOT do this.

 insurance rates are filed by the various insurance companies that are licensed to do business in Texas vary by ZIP Code. Some companies have rate adjustments periodically, and you may have gotten caught up in a territorial rate increase. 

The best thing to do is call a LOCAL independent agent. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. 

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. 

I have used Progressive for many years and am more familiar with the "independent agent" version of Progressive, but, we have other companies that are sometimes less expensive. 

You didn't mention your driving record - and Progressive runs a credit score. Any changes in bill paying habits that might affect your score? Are you married or single? Now, don't take offense at this (and it's NOT me, it's THEM) but, some companies will say "Hmmmmm....35 year old single female....she's probably out hitting the club circuit and that makes her a worse risk!" Have you thought about making payments by EFT (Electronic Funds Transfer)? Sometimes it is less expensive than if the company sends you a bill in the mail - some people LOVE it, others HATE it! Some would rather get a bill in the mail and mail it when they KNOW their money is in the bank! 

What is your occupation? Some companies offer discounts for various types of occupations and give credit for STABILITY. Mercury Insurance has a pretty good discount for educators and scientists. Do you own a house or do you rent? How long have you lived there? How long have you been on your job? How far do you have to commute to work? 

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you'll find that MOST of them are going to run a credit score and you may not know the questions to ask or the answers to give to some impersonal rep on the phone or Internet!