Honestly, I’ve seen Geico shrug off way more than Progressive ever would. I get why people lean that way if they’ve got a few mods—Geico just doesn’t seem to care unless you’re doing something wild under the hood or making the car look like it belongs at SEMA. Progressive, on the other hand, can be picky about stuff that’s barely even a mod. Had a client once who got flagged for an aftermarket shift knob. No joke.
But here’s where I get skeptical: both companies have fine print that’ll bite you if you’re not upfront. Sure, they might not send someone out to inspect your ride unless there’s a claim, but when it comes time to pay out, they’ll dig through everything. Seen too many folks think “it’s just wheels” and then get stuck fighting over coverage later.
If you’re only running cosmetic stuff, odds are you’re fine either way—but man, keep those receipts and photos. And don’t assume because they didn’t ask, they don’t care. Insurance companies love loopholes when it saves them money... just saying.
Honestly, I’ve had Geico for years on my ‘72 Chevelle and they never blinked at the aftermarket wheels or even the custom exhaust. Progressive gave me a headache just trying to explain why I swapped out the steering wheel. But you nailed it—when there’s money on the line, both will comb through your policy like Sherlock Holmes. I keep a folder of receipts and photos just in case... learned that lesson the hard way after a fender bender. Better safe than sorry, right?
That’s actually super helpful to hear, thanks. I’ve been stressing about whether I need to document every little thing I change on my car—like, does a new stereo even matter? Guess it’s better to have too much proof than not enough, huh?
Guess it’s better to have too much proof than not enough, huh?
That’s definitely the safer route, especially with insurance companies—they love documentation. I wouldn’t stress too much about every minor tweak like a stereo, but if it’s something you’d want covered in case of theft or damage, a quick photo and note never hurts. I’ve kept a folder on my phone for years with pics of upgrades, just in case. It’s saved me a headache or two down the line.
I get where you’re coming from, but honestly, I’ve had mixed results with “having too much proof.” Sometimes it just gives the adjuster more stuff to pick apart or question. Like, when I had to file a claim for my wife’s car, they nitpicked every accessory—even stuff that came with the car. I agree with
, but I wouldn’t overdo it. Just the big-ticket upgrades or anything you’d be really upset to lose. Too much info can backfire, at least in my experience.a quick photo and note never hurts
