Tell me why I shouldn’t switch to progressive

I have had nationwide for the last several years for my couple trucks running mostly local and some regional loads. We mostly haul dump trailer/tandem dump truck stuff and heavy equipment. Since my insurance will be up for renewal soon I decided to get a couple quotes. I got one back from an agent that I use for other business related insurance that was about 25 percent cheaper for the same coverage as I currently have…. But it was progressive which I have no personal issues with but I have heard second hand stuff about them which has been mostly bad. I also know someone who just tipped over a truck and was on progressive and had a check within about a week and from everything I know about the situation they could have found so many ways out of paying it’s not even funny.

 

What am I missing….wouldn’t that be for boats???

 

I have heard this but never firsthand and never any reasons given…..currently it would not matter for me as everything is direct customers but always good to not limit my options