I've bounced between both in NY, and honestly Geico ended up being cheaper for me too. Progressive started off decent, but after one minor fender-bender (not even my fault), they bumped my rate noticeably at renewal. Geico's been steady so far, no surprises. Haven't tried Snapshot or anything similar though—just feels like asking for trouble, lol. If you're watching your budget closely, I'd lean toward Geico.
Have you checked how Geico handles accident forgiveness compared to Progressive? I agree Geico's pricing seems steadier, but I'm curious if their accident forgiveness is any better or worse. Progressive advertises theirs a lot, but like you said, one minor bump and your rate jumps anyway—so what's the point of paying extra for that feature?
Also, Snapshot always seemed sketchy to me too. Do we really want insurance companies tracking every hard brake or late-night drive? Feels like handing them ammo to raise rates later on. I'd rather keep my privacy and just focus on safe driving habits without the surveillance.
One thing I'd add: Geico's customer service has been pretty solid in my experience. Have you had to deal with claims yet? That might be worth considering before making a final call.
I'm actually in the same boat right now, first time buying insurance and all. I've been leaning towards Geico mostly because of the privacy thing you mentioned—Snapshot feels a bit too "big brother" for my liking. But now you've got me wondering about accident forgiveness... does Geico even offer it upfront, or do you have to earn it over time? Haven't had to file any claims yet (thankfully!), but hearing your positive experience with Geico's customer service is reassuring. Definitely something I'll keep in mind.
I'm right there with you on the Snapshot thing—feels a bit too much like having someone constantly peeking over your shoulder while driving. As for Geico's accident forgiveness, from what I recall, it's not something they hand out immediately. You typically have to stay accident-free for a certain period (I think around five years?), and then it kicks in automatically. Progressive, on the other hand, lets you buy accident forgiveness upfront, but of course, that means paying extra from day one.
I've been with Geico for a couple of years now, and while I haven't had to file any major claims yet (knock on wood), their customer service has always been pretty solid whenever I've had questions or needed minor adjustments. Plus, as someone who drives a luxury car, I've found their rates surprisingly competitive compared to other insurers. Just my two cents—insurance shopping is never fun, but at least we're all in this confusing boat together...
I'm definitely with you on Snapshot feeling intrusive—I tried it briefly and found myself second-guessing every brake or acceleration. Not exactly relaxing, especially as a newer driver. I've been leaning toward Geico too, mostly because friends have mentioned their app and customer support being pretty hassle-free. Haven't heard much about luxury car rates, but that's reassuring to know. Honestly, insurance feels like one big guessing game at times...just hoping I pick right and never need to test it out for real.
