Does Progressive Direct not run reports when quoting and binding new...

Does Progressive Direct not run reports when quoting and binding new policies? Have a long time client with multiple AFA in last 36 months, 3 tow claims with 36 months and in addition a water claim on condo policy within 36 months that called Progressive Direct and was quoted and given a much better price that the Liberty Mutual/Safeco renewal. We of course shopped but with claim history nothing was even close. A little confused how t

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