stuck between Geico and Progressive in NY, thoughts?

I've had both Geico and Progressive over the years. Snapshot was okay at first, but yeah, the late-night driving penalty got annoying fast - I bartended for a while, so my schedule was all over the place. Geico's DriveEasy seemed even pickier about phone use. Honestly, if you're worried about monitoring, I'd say skip both apps and just go with whoever offers you the best straightforward rate. Less hassle overall.

I've handled claims involving both companies, and honestly, the monitoring apps can be a mixed bag. Snapshot's late-night penalty does seem a bit arbitrary - especially for shift workers or bartenders like yourself. DriveEasy is indeed stricter about phone use, but from what I've seen, it can encourage safer habits overall. Still, if the monitoring feels intrusive or doesn't match your lifestyle, you're probably better off just comparing standard rates and coverage options directly. Less stress in the long run...

"Still, if the monitoring feels intrusive or doesn't match your lifestyle, you're probably better off just comparing standard rates and coverage options directly."

Yeah, totally agree with this. When I was shopping around for my first policy last year, I initially thought these tracking apps would save me money. But honestly, after reading about Snapshot's weird late-night penalties (which makes zero sense for anyone not working a 9-5), I decided it wasn't worth the hassle. Ended up just comparing regular policies directly - found a solid deal without all the app drama. Less headache overall...

I get your point about the tracking apps being intrusive, but honestly, I found Snapshot pretty helpful. Maybe it's because my family's driving habits are fairly predictable and cautious (we rarely drive late at night anyway), but we ended up saving a decent chunk on our policy. It definitely depends on your routine and comfort level with data sharing, though... everyone has their own threshold for privacy vs. savings.

Snapshot can definitely be a solid deal if your driving habits line up nicely, but have you checked out Geico's DriveEasy too? Curious how their discounts stack up against Snapshot in NY. Personally, I've seen some clients pleasantly surprised by the savings from tracking apps, while others found the privacy trade-off just wasn't worth it... Guess it boils down to how much you're willing to share about your midnight snack runs, huh?