I had progressive for about 5 years... when I was 21, I had 3 points on my record, so they offerred cheapest insurance, I was paying 3k/year for comp/coll on neon, and coll only on the Z.
3 years later, my slate was clean, rate dropped, and I took the Z off that policy. I was paying 1k/year, with 1 not at fault accident on the record.
A couple months ago I got a renewal quote asking 572/6 months (biannual policies) instead of the normal 500 that I was paying. I called to ask why, because I have a basically spotless record.
"Oh, we raised our rates!"
me: "And you lost a customer!"