stuck between Geico and Progressive in NY, thoughts?

I've had both Geico and Progressive here in NY, and honestly, they're both pretty solid. Geico was definitely cheaper upfront for me too, but I switched to Progressive last year because of the Snapshot thing. Figured I'd give it a shot since I'm a pretty cautious driver (gotta protect the ride, right?). Anyway, it did save me some cash—around 15% off after the first six months. Not life-changing, but hey, savings are savings.

One thing to keep in mind though: Snapshot tracks stuff like hard braking and late-night driving. So if you're someone who likes to cruise around town at midnight or has a heavy foot at stoplights, it might not be worth the hassle. For me, it was fine since I mostly commute during normal hours and drive pretty chill.

Overall, I'd say it's not a gimmick, but it's also not gonna cut your bill in half or anything. If you're already leaning towards Progressive and you're a decent driver, might as well give it a try. Worst case scenario, you switch again next year...

I've dealt with both companies quite a bit, and honestly, Snapshot can be a mixed bag. Had a client once who was super excited about it—thought he'd save big because he drove like a grandma (his words, not mine). Turns out, he worked late shifts and drove home around 2 AM most nights. Progressive dinged him pretty hard for that late-night driving, even though he was probably the safest driver I've ever met. He ended up switching back to Geico after six months because the savings just weren't there.

On the flip side, another client of mine—a younger guy who admitted he had a bit of a lead foot—actually benefited from Snapshot. It made him more aware of his driving habits, and he toned down the aggressive braking and speeding. Ended up saving around 10%, which surprised both of us.

Personally, I think Snapshot is decent if you're already disciplined behind the wheel and your schedule aligns with what Progressive considers "safe" hours. But if your lifestyle doesn't match their criteria perfectly, it might not be worth the hassle or potential privacy trade-off.

One thing I'd be curious about though: has anyone here tried Geico's DriveEasy program? Heard mixed reviews about it being overly sensitive to phone usage—even if you're just using GPS or streaming music. Wondering how it stacks up against Snapshot in real-world use...

- Tried DriveEasy for a few months—honestly, wasn't a fan.
- It flagged me constantly for "phone use" when I was just skipping songs or checking GPS at red lights.
- Snapshot sounds picky about driving hours, but Geico's app felt overly sensitive about phone handling.
- Ended up ditching it because the tiny discount wasn't worth the constant nagging notifications...
- Curious if anyone else had better luck with it though.

- Tried DriveEasy for a few months—honestly, wasn't a fan. - It flagged me constantly for "phone use" when I was just skipping songs or checking GPS at red lights.

I've been following this thread because I'm in a similar boat—first time buying insurance on my own, and honestly, the whole snapshot/DriveEasy thing makes me a bit uneasy. I get that it could save money, but reading your experience about the constant notifications and false flags for phone use kinda confirms my worries. I tend to glance at GPS or switch playlists at stoplights too, and I'd hate to be penalized for normal stuff like that.

Also, I've heard from friends that Progressive's snapshot can ding you if you drive late at night, even if you're just heading home from work or hanging out with friends. That seems a bit unfair to me since not everyone has a 9-5 schedule. Geico's upfront pricing does look tempting, but I'm still cautious about hidden fees or sudden rate hikes after the first year. Honestly leaning toward Geico right now just to avoid the hassle of being monitored constantly...but still undecided.