I have use Progressive for the last 40 years. I have totaled 1 bike and had 3 other clams and I have long term discounts that have competitive rates as far as I can tell and they have never raised my rates after a claim. All claims have been processed pretty promptly.
I think it varies from state to state. I have (three years) Allstate, have a good driving record, get money back every term, bla, bla.
Had Geico dumped them for Progressive and they both went up 30% in a year with no claims or tickets, so who knows?
My house, cars, boat, umbrella and 3 bikes are on Allstate so perhaps that what helps when they combine coverage.
I have no problem dumping insurance when they screw with the rate for no reason, theywill dump you for anything, no love.
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