stuck between Geico and Progressive in NY, thoughts?

Honestly, you nailed it - sometimes it feels like you need a law degree just to get your car fixed the way you want. I’ve had both Geico and Progressive too, and neither one made it easy. Hang in there... persistence really is half the battle.

Honestly, I get nervous every time I have to deal with insurance companies - feels like one wrong move and you’re stuck paying out of pocket. I’ve had Geico for years, mostly because their rates seemed lower, but when my minivan got rear-ended, the claims process dragged on forever. Progressive wasn’t much better when my brother used them, though. Has anyone actually had a smooth repair experience with either? Or is it just the nature of the beast in NY?

feels like one wrong move and you’re stuck paying out of pocket

Honestly, I hear that a lot, especially in NY. Claims do seem to take longer here, probably just the volume and all the red tape. I’ve seen Geico move faster if you use their approved repair shops, but it’s not always convenient. Did you go through their shop network or pick your own? Sometimes that makes a difference on turnaround.

Stuck Between Geico And Progressive In NY, Thoughts?

That’s actually something I’ve been worried about too - like, if I mess up the process or pick the wrong shop, I’ll end up footing the bill. I’m new to all this, so I’ve been reading a ton of reviews and it’s wild how many people mention delays in NY. I guess it makes sense with how busy everything is here, but it’s still kind of nerve-wracking.

I haven’t had to file a claim yet, but I did notice Geico really pushes their repair network. The rep told me it’s “faster and easier,” but honestly, the closest one to me is a good 40-minute drive. Not super practical. I’ve heard Progressive is a little more flexible about where you go, but then again, maybe that means more paperwork or waiting around? It’s tough to know what’s actually better until you’re in the middle of it.

I get why people stick with the approved shops, but sometimes convenience wins out. Wish there was a way to know for sure which one’s less of a headache before you actually need them...

I totally get the stress about picking the “right” shop - my cousin had a nightmare with Geico’s network last year. She ended up waiting weeks for parts, and it was all across town. I’m leaning Progressive just because I’d rather have more options nearby, but then again, I wonder if that means more hoops to jump through? Has anyone actually tried using a non-network shop with either company and not gotten burned on costs?