I've been down the Snapshot rabbit hole myself, and honestly, I think it's just not built for city drivers—especially in NYC. I mean, the whole idea of tracking smooth braking and acceleration sounds great on paper, but in reality, how often do we get to cruise smoothly around here? Between double-parked delivery trucks, jaywalkers popping out of nowhere, and the endless construction detours, it's practically impossible to maintain a decent score.
Geico's been my go-to for a couple years now, and while they're not exactly blowing my mind with perks or anything, they've been consistently reliable. Claims process was straightforward when someone sideswiped me last winter (typical Brooklyn street parking drama), and their rates haven't jumped around too much either. Progressive tempted me with lower initial quotes, but after factoring in the Snapshot unpredictability, it just didn't seem worth the gamble.
One thing I've wondered though—has anyone here tried bundling renter's or homeowner's insurance with either Geico or Progressive in NY? Curious if that makes a noticeable difference in overall savings or if it's just marketing fluff. I've heard mixed things from friends, but never really dug into the numbers myself.
I've actually helped a few clients bundle renter's and homeowner's insurance with both Geico and Progressive here in NY, and honestly, it can go either way. Sometimes bundling does shave off a decent chunk—especially if you're already paying high premiums (hello, NYC)—but other times it's just a few bucks difference, nothing life-changing.
Geico tends to partner with third-party companies for home and renter's policies, so the savings aren't always huge, but they're usually consistent. Progressive, on the other hand, often offers more noticeable discounts if you bundle directly through them, but again, Snapshot can be tricky in the city. I had one client who was thrilled with their Progressive bundle until Snapshot dinged them for braking too hard (thanks, random cyclist cutting across lanes).
Bottom line: bundling can be worth checking out, but don't expect miracles. I'd suggest getting quotes for both bundled and separate policies and comparing side-by-side. It's a bit tedious, but at least you'll know exactly what you're getting into...and hey, maybe you'll save enough for an extra slice or two at your favorite pizza spot.
"Snapshot can be tricky in the city. I had one client who was thrilled with their Progressive bundle until Snapshot dinged them for braking too hard (thanks, random cyclist cutting across lanes)."
Yeah, Snapshot's definitely not city-friendly—had it myself and got penalized constantly for just surviving NYC traffic. Bundling helped me slightly with Geico, but honestly, savings were minimal... barely covered my monthly MetroCard.
I've actually had decent luck with Snapshot in Brooklyn:
- Learned to anticipate stops earlier, fewer dings after a couple weeks.
- Ended up saving around $20/month—not huge, but noticeable.
- Maybe it's more about adjusting driving habits slightly rather than location alone?
Had Snapshot for a while, and you're right—it's mostly about tweaking your habits. What helped me was imagining my grandma in the passenger seat holding a hot cup of coffee... makes you brake and accelerate gently, haha. Seriously though, planning ahead for lights and stops not only saves money but genuinely feels safer. The savings weren't massive either, but peace of mind counts for something too.
