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This past year Progressive usurped State Farm as the nation’s biggest personal auto insurer, losing a throne State Farm had held since World War II. The shift sparked a dramatic overhaul at the company , including new agent contracts, sweeping benefit cuts and a big push into AI. WSJ's Jean Eaglesham reports on the fallout. Jessica Mendoza hosts. Further Listening: - Insuring a Home in California Is Getting Harder - Is Florida Just for Rich People Now? Sign up for WSJ’s free What’s News newsletter . Learn more about your ad choices. Visit megaphone.fm/adchoices