I’ve had both Geico and Progressive here in NY (not by choice, my rates just kept jumping around), and honestly, neither one is going to win a race for fastest payout.
That’s honestly super relatable—especially the part about picking based on “who gives me the better online dashboard and doesn’t make me want to throw my phone across the room.” I’ve wondered if all insurance in NY is just slow by default, or if it’s a staffing thing. Did you ever try calling at weird hours? I’ve had slightly better luck with Geico late at night, but maybe that’s just coincidence. At least you found Progressive’s app less glitchy... sometimes those little wins are all we get.
Honestly, I’ve noticed the same thing—NY insurance just feels slow no matter who you’re with. Calling late at night is a solid move though; fewer people on hold, maybe? I do think Progressive’s app is a bit smoother, but Geico’s customer service has bailed me out more than once. Sometimes it’s just about which headache you’d rather have.
Honestly, as someone with a couple of tickets and an accident on my record, I’ve had both Geico and Progressive in NY and neither one is exactly a walk in the park. Progressive’s app is slick, sure, but when I actually needed help after a fender bender, it took forever to get a real answer. Geico’s reps actually talked me through the mess, even if their hold times are brutal. At this point, I almost feel like you’re just picking your poison... but at least Geico didn’t make me feel like I was invisible because of my driving record.
Honestly, I’ve bounced between the two for years and totally get what you mean. Geico’s hold times are rough, but at least I felt like a person when I called. Progressive’s tech is nice, but when my car got sideswiped, it was like shouting into the void. At this point, I just stick with whoever gives me the better rate... customer service is a toss-up either way.
Honestly, I weigh coverage details more than rates after a fender bender a few years ago. It’s easy to get sucked in by the tech or the price, but if you need roadside help at 2am, you want someone who actually picks up. I’d say check their claims process reviews in your area—sometimes it’s night and day depending on the region.