Progressive help please

[u/Professional-Luck179]

Basically opened the account for 112 paid next month 179$. Then rate went to 526$ canceled then get hit with a 250 cancelation fee cuz i didnt give them documents, prior insurance which is AAA and water bill, inwhich ima not give that... canceled at the end of the month.
What can i do? Any lawyers out there?
Already emailed texas department of insurance... but you know how slow they are... sent a email saying i dispute the charge to there fraud email. "Im reporting Fraud against progressive..." texas state laws says i need to be notified 30 days before a 10$ increase and or 10% 8/8 deadline for documents, 9/3 due date... paid 2nd month 7|31 opened 7|3
Also i cancelled 5 days prior and they refuse to give me my 28.57 back (pro-rata)
Email i got
Progressive

Please note that you no longer have insurance with us, effective 08/29/2026.
We canceled your policy at your request, but there is still a balance due on your canceled policy term. Please see your payment summary below for more information.
If you previously scheduled a payment, we've canceled that payment; please pay the full amount due below. If you already sent your payment, thank you, but please know that your payment will not reinstate your policy.
Updated Balance Details
Total Amount Due*
$544.35
Total Amount Paid
-$290.64
Balance Due
$253.71
Due Date
09/08/2026
*Total includes premium and fees, if applicable
Failure to pay the amount owed by the due date may result in your referral to a collections agency.
You can pay online or by calling [1-800-999-8781](tel:1-800-999-8781).
It's important that you get insurance as soon as possible. If you have questions about your cancellation, or would like to learn how to keep this policy or purchase a new one, call [1-800-776-4737](tel:1-800-776-4737) and press 0, or visit us online.

[u/Molej042]

You paid a preliminary payment based on information you provided to the system. After they ran their own reports they found a discrepancy in the information so they asked you for proof of insurance and garaging address. From your post you indicated you aren't going to give them that. You are the unreasonable one here if you believe not providing the necessary documents would result in no changes being made to your policy. This is called an uprate and very normal in insurance.

You dont understand insurance and the next time you do get it, work with an independent agent they can help you avoid these problems and stay insured.

[u/turkeybait69 → u/Molej042]

Yes also just want to add the money owed is not a cancelation fee. Its the balance owed based on the time you had the policy. You just need to be an adult and provide the paperwork they requested in a timely fashion and you would be avoiding all of this. You can act like it's progressive fault but you signed up for a contract and then ignored your side of it and did not do your part in providing the needed documentation to guarantee your rate.

[u/Professional-Luck179 → u/Molej042]

I was planning on switching companys since 8/3 allstates 30$ cheaper… also told them contact AAA and sent them a picture of my house and the garage it parked in..

[u/Insurance-ModTeam → u/[deleted]]

Trolling, being needlessly rude or insulting

[u/Insurance-ModTeam → u/[deleted]]

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[u/abidingexpediencynow]

I'm not seeing the cancellation fee you referenced.