Insurance renewal

Hi everyone. I thought I would ask you, guys, for some advice for insurance renewal.


I’m an o/o with own authority in OH and have been insured with Progressive for 3 years. I had the bobtail coverage with them in the first 2 years and now for 1 year a full coverage after I got my authority. For all this time - not a single claim, no accidents, not a single ticket. I expected my rates to go down a bit, yet on renewal they’re raising my premium by $400 with a sole excuse that “rates in OH went up overall.” And while their representations might be true, it seems like this is some kind of “universal” excuse for insurance companies to penalize you on renewal for your good behavior. Back in college, I remember, our professor in economics described this kind of business as “a system of moral hazards.”


So I requested a loss run report from Progressive and asked my insurance agent (Progressive is an underwriter) to get quotes from other companies. Although my rate with Progressive was good for a newcomer, still... Anyone can recommend me a reasonable alternative to Progressive, based on your experience with them? Thanks, guys, in advance.