Honestly, I get where you’re coming from, but I’ve actually had a different experience with Geico and Progressive in NY. I know everyone says Progressive is more flexible with mods, but when I tried to get them to cover my aftermarket wheels and stereo, they gave me the runaround. Geico at least told me straight up what they’d cover and what they wouldn’t—no sugarcoating. Maybe it depends on the agent or who picks up the phone that day.
And about claims, I’ve heard the “Geico app is magic” thing too, but when my neighbor’s car got rear-ended last winter, he said it took forever to get an adjuster out. Meanwhile, my cousin with Progressive had a fender bender and said it was all handled online in like two days. Seems like there’s no real winner—just depends on your luck or maybe even your zip code.
I guess my point is, don’t just go by what people say about flexibility or tech. Sometimes the “old-school” approach means fewer surprises down the line. Just my two cents... insurance always feels like a gamble anyway.
I’ve noticed the same thing with the “depends on who you talk to” factor. When I called Geico, I got a super clear answer about what they’d cover for mods, but my friend swears Progressive was way easier for his custom exhaust. Maybe it’s just luck of the draw or how persistent you are on the phone.
The tech side is weird too. I thought the Geico app would make claims a breeze, but when my dad had to use it after a hailstorm, he still ended up waiting around for someone to come out and look at the car. Meanwhile, another guy in my building had Progressive and said everything was handled online and he barely had to talk to anyone. It’s almost like there’s no real consistency.
Does anyone know if certain zip codes in NY actually get faster service or better coverage? Or is it just totally random? I’m trying to figure out if there’s any way to predict which company will actually come through when it matters... insurance really does feel like rolling dice half the time.
Honestly, I’ve bounced between both in NY and it’s a total crapshoot. Had Geico for years—sometimes they’re lightning fast, other times I’m stuck waiting days. Progressive handled my windshield claim way quicker, but their app glitched out on me. Zip code might matter, but I think it’s mostly luck and who picks up the phone. Insurance is just a headache no matter what.
Honestly, I hear you on the headache part. I’ve had Geico in NY for a while and their roadside assistance saved my butt once, but the claim process felt like pulling teeth. Progressive quoted me lower, but I got nervous reading some horror stories about claims being denied—though, who knows if that’s just internet noise. At this point, I just keep a folder with every email and document because you never know when you’ll need to fight your case. Maybe it really is just luck (and maybe a bit of zip code roulette).
At this point, I just keep a folder with every email and document because you never know when you’ll need to fight your case.
That’s smart—paper trails are everything with insurance. Have you ever actually had to dispute a claim with either company? I’ve only filed once (with Geico) and it was a hassle, but they did pay out eventually. Wondering if Progressive is any better when it comes to customer service after an accident.