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I think I figured out how they get away with those rates. They don't tell you whether they use the same information that you put in to post comparative rates. In other words, you can be given a price on partial coverage from Progressive, but their comparative rate system may be seeking out rates that are higher from competitors. For instance, let's say you say that you want a $250 deductible from Progressive. Instead of putting that in the field for AIG, they'll give you a rate with a $500 deductible to make their rate look like a better deal. They don't seem to explain how they came up with the comparative rate from what I understand.
Disclaimer—I could be horribly wrong. It has been a long time since I sought a quote from Progressive.
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