To be honest, I first chose Progressive for my automotive insurance for two reasons. First off, I didn't have to talk to anyone. I was able to do everything online. Secondly, it was cheaper than other options for more coverage.
I never really thought about the downfalls of insurance until my fiancé was in a car accident. Then it really became relevant information. Progressive was a great investment. Since I have been a member for so long, I am considered a diamond member. Diamond members can have an accident without it affecting your rates. The only downfall is that although the accident doesn't count against you, if you receive any points, which generally both parties do, you will still have the points affect your insurance pricing.
Another part I like about Progressive Insurance is that it will keep track of any information, as well as help you to fight any lawsuits that could arise. Occasionally, you can have an experience where someone tries to get one over on you. Progressive not only can help legally, as they have lawyers to help them out, but they can even help point out details that will help to remove the case altogether.
I am very glad I chose Progressive Insurance for my auto needs. They offer a wide variety of insurance discounts and loyalty options, as well as good customer service.