I, too, have heard bad things about Progressive for car insurance and stay away from them for that reason. I have Amica for my car insurance and couldn't be happier with their service. Sadly, Amica refuses to insure liveaboards for boats (even though they gave me a quote once; the agent I talked to was a former liveaboard, I wonder if he bent the rules... they won't do it again). Progressive likewise refused me a quote. I doubt I'd go with Progressive anyways, but it seemed worth getting a quote.