I’ve been comparing Geico and Progressive too, and honestly, the classic car thing is throwing me off. I noticed when I tried to get a quote for two older cars (not even super rare, just ‘90s models), the rates jumped way more than I expected. Is that just how NY insurance works, or do these companies just not like covering more than one “specialty” car? I’m also curious if anyone’s had issues with claim payouts on older vehicles—like, do they actually pay out what the car’s worth, or do they lowball it because it’s not a daily driver? I keep reading mixed reviews, but it’s hard to tell what’s just bad luck and what’s the norm.
Honestly, NY insurance is its own beast—older cars can get flagged as “specialty” even if they’re just your average ‘90s ride. I’ve seen claims get paid out fairly, but sometimes the payout feels low if the car’s not daily-driven or if you haven’t documented its condition. It’s not always the company, sometimes it’s just how adjusters interpret value. Hang in there, the process can be a headache but it’s not all doom and gloom.
Man, NY insurance is like trying to solve a Rubik’s cube blindfolded. I’ve bounced between Geico and Progressive over the years—honestly, both have their quirks. Geico was a little cheaper for me, but Progressive seemed less picky about my old Subaru being “specialty.” I learned the hard way that photos of your car before anything happens are worth their weight in gold. Adjusters can be all over the place, but having proof helps. It’s a pain, but not impossible to get a fair shake.
I’m literally in the same boat right now, trying to pick between these two. Is Progressive really that much better with older cars? My Civic’s got some miles and I’m worried Geico’s gonna nickel and dime me over every little thing. Any headaches with Progressive’s claims?
I’ve bounced between both over the years, and honestly, neither one is perfect—just depends on what kind of headaches you’re willing to deal with. Progressive does seem to “get” older cars a bit more, at least in my experience. I had an ‘01 Accord that got rear-ended and Progressive didn’t try to lowball me on repairs or total it out for peanuts. Geico, on the other hand, once tried to argue with me about OEM vs aftermarket parts for my old Volvo… felt like pulling teeth.
That said, Progressive’s claims process isn’t always a walk in the park. Sometimes you get a rep who’s super helpful, other times you’re stuck in phone tag limbo. But I’d still take that over Geico’s “let’s see how little we can pay” vibe when it comes to older rides.
If your Civic’s got some character (aka miles), I’d lean Progressive. Just keep your expectations realistic—insurance companies aren’t exactly known for their generosity, no matter who you pick.
