- Geico’s 15-mile tow is a joke, honestly. Had a similar experience—driver wouldn’t budge past the limit unless I coughed up cash.
- Progressive’s roadside is just as useless, and their premiums are all over the place if you’ve got any kind of record.
- AAA’s been solid for me too, especially with older cars that need a little more TLC.
- Anyone actually had a claim with either Geico or Progressive in NY? Curious if they’re any better when it comes to actual repairs, not just towing.
Honestly, I get why people are frustrated with Geico and Progressive’s roadside, but I’m not totally convinced AAA is the magic bullet either. When I started shopping for insurance in NY, I dug into a ton of reviews and claim stories. It looks like Geico’s repair process is actually pretty streamlined if you stick to their network shops—faster estimates, less back-and-forth. Progressive was hit or miss; some folks got quick payouts, others had delays over paperwork.
What really threw me was how much the rates can swing based on tiny details. Like, Geico dinged me hard for living in Brooklyn compared to upstate, but Progressive seemed more forgiving about location and more focused on driving history. Not sure if that’s everyone’s experience, but it adds another layer of confusion.
I do wish these companies would be clearer about what “roadside” really covers. Fifteen miles sounds decent until you’re stranded somewhere weird at 2am and realize it barely gets you out of the boroughs...
Stuck Between Geico and Progressive in NY, Thoughts?
- Been through the Geico vs. Progressive shuffle a few times myself. Lived in Queens for years, now out on Long Island, and the rate swings are wild. Geico definitely penalized me for city parking—garage or not. Progressive seemed to care more about my accident history, less about my zip code, which was a relief after moving.
- On roadside: AAA isn’t perfect, but their coverage area is bigger and you’re not tied to a specific car. Used them once when my wife’s car died in Jersey and they towed us all the way back to Nassau. Geico’s roadside left me hanging once—flat tire in Astoria, and their “network” tow truck took almost two hours. Not fun at 1am.
- Claims process: Geico’s network shops are fast, but if you want to use your own mechanic, it gets complicated. Progressive let me pick my shop, but paperwork took forever. Guess it depends if you’re okay with their preferred vendors.
- The fine print on roadside is a pain. That “15 miles” sounds okay until you realize it barely gets you to a decent mechanic if you’re stuck in the wrong part of Brooklyn. AAA’s 100-mile tow is overkill most days, but it’s saved me twice.
- One thing I noticed: both companies love to hike rates after the first year, even with a clean record. Loyalty doesn’t seem to matter much.
Curious—has anyone tried bundling renters or homeowners with either? Did it actually save you money, or just add more confusion? I’ve heard mixed things, but never pulled the trigger myself.
Bundling with Progressive actually did save me a bit, but it was kind of a headache at first. I added renters insurance and the discount was real—maybe $15/month off the total. But the billing got weird for a couple cycles, and I had to call twice to get everything straightened out. Once it settled, it was fine, but definitely more confusing than I expected.
Geico’s bundling pitch felt like smoke and mirrors. The “discount” was tiny, and when I compared the renters policy to what I already had, it was actually worse coverage for more money. Not sure if that’s just NY or what.
One thing I’ve wondered: has anyone actually used their bundled renters/homeowners for a claim? Curious if the process is smoother or just more red tape. I always worry about those “multi-policy” setups making things messier if you ever need to file.
Bundling’s always sounded good in theory, but I’ve had similar headaches with Progressive. The discount was decent, but the billing system seemed to get tripped up by the extra policy. Had to double-check my statements for a couple months to make sure I wasn’t being double-charged. Once it all synced up, it was fine, but definitely more hassle than I expected.
Never actually filed a claim on a bundled policy, but I’ve heard mixed things—some folks say it’s smoother since you’re dealing with one company, others say it’s just more hoops. I do wonder if it depends on the type of claim or if you’re unlucky enough to have both auto and renters involved at once.
Curious if anyone’s tried bundling with a smaller local insurer instead of the big names? Sometimes they fly under the radar but have better service, at least in my experience with auto policies.
