“I’ve had weeks where my schedule flips and suddenly I’m getting dinged for ‘risky’ driving just because I’m on the road at 2am.”
Honestly, that’s my main gripe with telematics too. The data doesn’t really care why you’re out late, just that you are. As for OEM parts—Geico made me jump through hoops last year after a fender bender, and it took three calls before they’d even consider it. Progressive was a little smoother for my neighbor, but still not drama-free. Erie does have a rep for less hassle, but their network’s smaller, so sometimes you’re trading one headache for another. If you’re detail-oriented and don’t mind paperwork, you might get better results, but it’s rarely straightforward.
Those telematics programs can be a double-edged sword—great for some, but not if your routine’s unpredictable. When it comes to OEM parts, have you checked if either company spells out their policy in writing? Sometimes the fine print makes all the difference, especially in NY. Curious if you’ve run into any issues with roadside assistance or rental coverage too... that stuff can sneak up on you.
I hear you on the telematics thing—my schedule’s all over the place, so I never bothered. As for OEM parts, I learned the hard way with a fender bender last year. Geico covered aftermarket unless I specifically asked (and paid extra) for OEM. Progressive was similar, but their rep actually walked me through the fine print, which helped. Roadside assistance has been hit or miss for me with both, honestly... sometimes quick, sometimes a wait. Rental coverage is where I got tripped up—thought I had it, turns out it was super basic. Definitely worth double-checking those details before you pick.
Rental coverage tripped me up too—thought I was covered for a decent car, but nope, ended up with the tiniest thing. Did either company give you a better deal on glass coverage? NY winters are brutal on windshields, and I’m always getting chips.
NY winters are brutal on windshields, and I’m always getting chips.
Yeah, rental coverage is always a letdown. Last time, I ended up with a car that felt like it would blow away in a stiff breeze. As for glass coverage, I’ve noticed both Geico and Progressive love to nickel-and-dime you on the details. NY winters are rough—I swear, I get a new chip every season. Honestly, I’ve heard Progressive sometimes does better with full glass (no deductible), but it really depends on your specific policy and zip code. Might be worth double-checking the fine print before committing.
