I am a HOG member and I have Progressive. Despite what many have said I had a great experience with a claim. A close friend of mine had to make a claim with Geico on an open and shut case and they would not pay to completely fix his bike. A city bus hit him and everything from statement from the bus driver to the police report was in his favor. Long story short he had to hire a lawer and miraculously got paid everything to put the bike back the way it was plus they even paid the 8 months of payments for him that the bike was down and he was unable to ride it. But it took a very good lawyer to threaten them before they did it. He went through so much hell dealing with GEICO that me nor any of his friends will ever do business with them. Blast Progressive all you want but I think they all have their downside at times.