Honestly, the rate creep is what’s making me hesitate with Progressive. I’m shopping for my first policy and every dollar counts, so the idea of a “teaser” rate that jumps after a year kinda bugs me. Geico’s questions about mods are weird, though—I don’t even have fancy wheels, but now I’m paranoid they’ll grill me about my floor mats or something.
I’ve heard Progressive’s app is better for claims, but if the price keeps going up, does it really matter? I’d rather have a slightly clunkier process if it means my premium stays predictable. Maybe I’m just cheap, but I feel like insurance should be boring and affordable, not full of surprises. Anyone else feel like these companies are just playing a game of “gotcha” with all the fine print?
I totally get where you’re coming from—rate creep is the worst. I had Progressive for a couple years and yeah, the price did jump after the first renewal. Their app is smooth, but honestly, I’d rather deal with a clunky website if it means my premium isn’t a moving target. Geico’s questions can be weird, but in my experience, they didn’t care about minor stuff like floor mats. Insurance really should just be boring and predictable... but it never seems to work out that way.
Insurance really should just be boring and predictable... but it never seems to work out that way.
Totally agree with this. I’ve bounced between both, and honestly, neither has been “set it and forget it” for me. I get the frustration with Progressive’s rate creep—had the same thing happen after my first year, even though my driving record was spotless. Geico’s questions are odd, but at least they don’t nickel and dime you for every little thing.
With a higher-end car, I’ve noticed both companies get a bit weird about coverage details, especially for OEM parts. Sometimes I wonder if it’s just a NY thing or if it’s like this everywhere. At the end of the day, I’d rather deal with a clunky site than surprise bills. You’re definitely not alone in wanting insurance to just be... boring. Wouldn’t that be nice?
Yeah, the OEM parts thing is a headache, especially in NY. Some carriers get really picky about what they'll cover, and it can change year to year. I’ve seen folks surprised by out-of-pocket costs when they assumed “full coverage” meant OEM replacements. It’s not just a NY quirk, but regulations here definitely add layers. Honestly, reading the fine print (even if it’s a slog) is worth it—sometimes you can add an endorsement for OEM parts for a few bucks more. Not fun, but beats getting stuck with aftermarket stuff on a new car.
Honestly, reading the fine print (even if it’s a slog) is worth it—sometimes you can add an endorsement for OEM parts for a few bucks more.
Couldn’t agree more. I learned the hard way after a minor fender bender—Geico tried to stick me with aftermarket parts on a car I’d barely had six months. Progressive at least offered an OEM endorsement, but you have to specifically ask for it. It’s wild how “full coverage” doesn’t mean the same thing across carriers. If you care about resale or just want your car fixed right, that extra cost is worth every penny. NY’s rules are just...confusing sometimes.
