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stuck between Geico and Progressive in NY, thoughts?

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(@swhite89)
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Honestly, I’ve tried calling both at like 7am and late at night—still got stuck on hold with Geico, but at least Progressive picked up quicker. But their rates for my old Corolla? Just didn’t make sense. Is it just me, or do they randomly throw numbers at you depending on the day? Anyone ever actually get a “good driver” discount that made a dent? Sometimes I feel like they just spin a wheel...


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anthonyw40
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(@anthonyw40)
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Yeah, I’ve noticed the same thing with the rates—one day it’s $80, next day it’s $120 for no reason. I’ve got a clean record too, but the “good driver” discount barely moved the needle for me. Has anyone tried bundling with home or renters? Wondering if that actually helps or just another gimmick.


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(@sarahfoodie)
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Has anyone tried bundling with home or renters? Wondering if that actually helps or just another gimmick.

Tried bundling with Geico last year—honestly, the “discount” was like $7 a month. Not exactly life-changing. I keep wondering if it’s just marketing fluff. Anyone ever see a real drop from bundling, or is it just me?


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animation268
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(@animation268)
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Yeah, I hear you on the bundling thing. Sometimes it feels like they hype up the savings, but when you actually see the numbers, it’s kinda underwhelming. I’ve seen a few clients get bigger drops—like $20-30/month—but that’s usually when their home insurance was already pricey. For most folks, it’s closer to what you saw. Guess it depends on your situation and maybe even your zip code... insurance is weird like that.


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crafts506
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(@crafts506)
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Guess it depends on your situation and maybe even your zip code... insurance is weird like that.

You’re not kidding—insurance is like a box of chocolates, you never know what rate you’re gonna get. In NY, I’ve seen Geico come in lower for folks with clean records, but Progressive sometimes wins if you’ve got a few dings or need special coverage. Bundling’s hit or miss... sometimes it feels like they’re throwing in a free pen and calling it a deal. Definitely worth running both quotes every couple years, though.


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