Bought Progressive Online? A Local Agent Is the Smarter Alternative.
You can buy Progressive on the website in fifteen minutes. You can also buy it through the Boswell Agency in Murray — and at the same time, have us shop 5 other carriers against it. Same Progressive policy options. Plus a human you can actually call.
Get a Real Comparison Call (270) 925-1524You Don’t Have to Choose Between Progressive and a Local Agent
Here’s something most Progressive direct customers don’t realize: Progressive sells through independent agencies too, and the Boswell Agency is one of them. So you can keep the Progressive name and policy you trust — and gain a local Murray office at the same time. We can write Progressive for you. The difference is that we don’t only write Progressive.
When you come to us, we quote Progressive alongside Erie, Auto-Owners, Foremost, Seaworthy, and others. Then we hand you the comparison. Sometimes Progressive wins. Often, another carrier is a few hundred dollars a year cheaper for the same coverage. Either way, you decide with real numbers in front of you instead of taking the first quote the website pulls up.
What You Lose When You Buy Direct Online
Progressive’s website is fast and the brand is everywhere. That’s by design. What the buying experience doesn’t include is anyone whose job is to look out for your interests over time. Specifically:
- No agent re-shopping you at renewal. When the rate jumps, the website doesn’t call to ask if you want to compare. You just see the new number and decide whether to pay it.
- No coverage review. The online quote engine offers you the standard slate. It doesn’t ask whether your detached garage has tools worth $40,000 in it, whether your teenager just got their permit, or whether you’re a small landlord with a separate exposure.
- No claims advocate. After a wreck, you get a 1-800 number and an adjuster you’ve never spoken to before. There’s no agent stepping in if something stalls.
- No comparison to other carriers. Progressive’s site can’t quote you Erie or Auto-Owners or Foremost. We can.
What an Independent Agent Adds to Your Progressive Policy
| What you care about | Progressive direct (online) | Boswell Agency (independent) |
|---|---|---|
| Can you get a Progressive policy? | Yes | Yes — same Progressive policy options |
| Comparison to other carriers | No | Yes — 5 carriers quoted side by side |
| Agent reviewing renewal | No | Yes — we re-shop quietly each year |
| Coverage review | Online form | Real conversation about your actual exposures |
| After a claim | 1-800 number | Call the agent first; we open the claim and follow it |
| Local office | No | Yes — 1051 N 16th St, Murray, KY |
| Cost to use an agent | n/a | $0 — commission is built into every carrier’s rates |
“Wait — Does It Cost More to Buy Through an Agent?”
No. This is the misconception that keeps people clicking “buy now” on the website when they shouldn’t. Progressive’s rates are the same whether you buy them direct or through an independent agency. The commission an agent earns is already built into the rate — it doesn’t get added on top when you use us. You don’t save money buying direct; you just give up the agent.
Some carriers in our lineup are actually priced more aggressively through the agent channel than they are direct, because the carrier wants the agent relationship to flag good risks. So in many cases the agent-quoted number is the lower one.
Quote Progressive + 4 More CarriersHow a Quote Through Us Actually Works
If you’re already with Progressive and the renewal is coming up, the process is short:
- Send your Progressive declarations page. Phone photo or PDF, either is fine.
- We rebuild the coverage exactly. Same liability limits, same deductibles, same drivers and vehicles, so the comparison is honest.
- We quote Progressive and several other carriers. You see a real list, not one number.
- You pick. If Progressive wins, we write it through us and you keep the same carrier with a local agent attached. If another carrier wins, we write that one and time the effective date to your Progressive renewal so nothing lapses.
Local, in Murray — Not a Call Center in Another Time Zone
The Boswell Agency office is at 1051 N 16th Street in Murray, just north of Murray State. Blake Boswell, the owner, lives here. When you call during business hours, a person picks up — usually within two rings. After-hours and weekend texts get same-night replies, because the agent who picks up the phone is the one whose name is on the door.
We serve Calloway, Marshall, Graves, McCracken, Trigg, Lyon, and surrounding western Kentucky counties. Whether you’re brand-new to Progressive or you’ve had it for a decade, we can pull the policy under our agency without you starting over.
Coverage We Quote Most Often Against Progressive Direct
- Auto insurance — multi-vehicle, teen drivers, drivers with prior tickets
- Homeowners insurance — including older homes and rural KY properties
- Manufactured / mobile home
- Boat, RV, motorcycle, side-by-side
- Renters insurance for Murray State students and grads
- Small business and commercial auto
- Umbrella and term life
A Note on the Progressive Snapshot App
If your Progressive rate is built around the Snapshot driving-behavior app, that rate is tied to your continued participation. Other carriers in our lineup offer competitive pricing without requiring you to be tracked. We’ll show you both numbers so you can compare.
Frequently Asked Questions
If I switch from Progressive direct to your agency, do I have to change carriers?
No. We can write Progressive for you through our agency. Same carrier, same policy options, and now you have a local agent attached. Or, if a different carrier in our lineup is a better fit, we can move you there. Your call.
Will my rate go up if I use an agent instead of buying direct?
No. Progressive’s rates are the same through the agent channel as they are online. The commission is already built into every carrier’s pricing — it doesn’t get added when you use us. In some cases, agent-quoted rates with other carriers actually come in lower than what you’d get buying direct.
What happens to my Snapshot discount if I move to a different carrier?
The Snapshot discount is Progressive-specific and doesn’t transfer. If we move you to a different carrier, that carrier will use its own pricing model. Several of our carriers offer competitive rates without requiring any tracking app. We’ll quote you both ways so you can see the comparison.
Why use a local agent if I’m comfortable with the Progressive website?
Two reasons. First, the website only quotes Progressive — you have no idea whether you’re leaving money on the table with another carrier. Second, after a claim you call a 1-800 number; with us you call the agent who knows your file. The agent service costs you nothing extra.
Do you write boat and motorcycle insurance for Kentucky Lake?
Yes. With Kentucky Lake and Lake Barkley a few minutes from Murray, boat and watercraft coverage is one of our common lines. Carriers like Progressive, Foremost, and Seaworthy all have strong watercraft programs, and we can compare them in one quote.
Boswell Insurance Agency LLC · 1051 N 16th St, Ste D, Murray, KY 42071 · (270) 925-1524 · Independent insurance agency serving Calloway County and western Kentucky. Authorized to write Progressive Insurance.
As an independent agency we also represent Erie Insurance — known for Rate Lock auto, strong homeowners on older and rural Kentucky homes, and a J.D. Power #1 small commercial product. Erie alongside 4 other top carriers, all under one local Murray office. Learn more →
