I hear you on the rental coverage. I used to think it was just another way for them to nickel and dime us, but after my transmission blew and I was carless for almost two weeks, I regretted not having it. Those Lyft fares add up fast, especially around here. As for Geico vs. Progressive, I’ve been with both at different times. Geico’s rates were a bit cheaper for me, but I agree with you—Progressive’s app is just smoother to use, especially when you’re already stressed from an accident. It’s a toss-up, but I’d probably lean Progressive if you value tech and claim ease.
Rental coverage is one of those things you don’t think you need until you’re stuck without wheels and watching your bank account drain from rideshares. I used to skip it too, thinking I was being smart, but after a week of Ubers during a repair, I realized it’s not worth the risk. As for Geico vs. Progressive, I’ll admit, Geico’s rates are usually a hair lower for me, but Progressive’s digital stuff just works better. Still, if you’re really trying to squeeze every dollar, Geico might edge it out—just gotta weigh what matters more: saving a bit upfront or less hassle if something goes sideways.
Geico’s rates are usually a hair lower for me, but Progressive’s digital stuff just works better.
Man, I feel this. Geico’s app is... fine, but Progressive’s is like they actually hired someone who’s used a smartphone before. I went with Geico last year because, yeah, it was cheaper by like $8 a month, but then their claims process felt like sending a carrier pigeon. If you’re the type who hates being on hold or wrestling with paperwork, that extra few bucks for Progressive might be worth your sanity. Rental coverage is a must though—learned that the hard way after my car decided to impersonate a lawn ornament for two weeks.
Honestly, I’ve seen both sides of this. Geico’s tech is clunky, and their claims process can drag—had a buddy wait almost a month for a simple bumper fix. Progressive’s app is smoother, and their claims move faster, but you’ll pay a bit more. If you hate paperwork and phone tag, that extra $8 might save you a headache.
Progressive’s app is smoother, and their claims move faster, but you’ll pay a bit more. If you hate paperwork and phone tag, that extra $8 might save you a headache.
- Geico’s tech is... well, let’s just say it feels like it was designed when flip phones were still cool. If you’re the type who likes to do everything from your couch in pajamas, their app might test your patience.
- Progressive’s app is actually decent. I’ve had folks file claims while waiting for their coffee—no joke. That said, “faster” is relative. Sometimes it’s speedy, sometimes you’re still playing the waiting game.
- Price-wise, yeah, Progressive usually costs a bit more. But if $8 a month saves you from being stuck on hold listening to elevator music, maybe it’s worth it? Depends how much you value your sanity.
- Claims with either can be hit or miss. Had one client with Geico get paid out in a week, another waited three. Progressive’s been more consistent lately, but nobody’s perfect.
If you’re allergic to paperwork and phone calls, Progressive probably wins by a nose. But if you’re just looking for the lowest bill and don’t mind some old-school hassle... Geico’s not the worst choice either.
