Had a slightly different experience with Progressive, actually. I commute daily into NYC, and last winter someone rear-ended me on the Cross Bronx (typical morning chaos...). Anyway, the app was easy enough to use for uploading pics, I'll give them that. But when it came to actually getting the claim processed, things weren't as smooth as I'd hoped.
Maybe it was just my luck or timing, but customer support seemed overwhelmed. Took a couple of follow-up calls to get things moving along. Not terrible, but definitely not headache-free either. I've heard mixed things about Geico too—my brother swears by them after his accident last year, said they were quick and responsive—but then again, he lives upstate and doesn't deal with city traffic every day.
Honestly, insurance experiences seem to vary so much depending on your specific situation and even who you end up talking to on the phone. Progressive's rates were decent for me at first glance, but after that incident my premium jumped more than I expected. Might be worth double-checking how each company handles rate hikes after minor claims.
Just my two cents from someone who's always bracing for the next fender-bender...
"Honestly, insurance experiences seem to vary so much depending on your specific situation..."
Couldn't agree more—had Geico a while back for my classic Mustang. Decent rates initially, but after a minor scrape downtown, the premium shot up quite a bit. Check carefully how each handles claims-related hikes...
"Decent rates initially, but after a minor scrape downtown, the premium shot up quite a bit."
Interesting point, but from my experience, classic car owners might actually benefit more from specialized insurers like Hagerty or Grundy. They tend to understand the value and rarity of classics better, and often have more forgiving policies regarding minor claims. Geico and Progressive are solid choices for daily drivers, but for a vintage Mustang, I'd seriously consider looking beyond mainstream providers...
Geico and Progressive are solid choices for daily drivers, but for a vintage Mustang, I'd seriously consider looking beyond mainstream providers...
Yeah, specialized classic car insurers do seem like a better fit. I've heard Hagerty mentioned before—do they actually handle claims differently? Curious if anyone here's had direct experience filing a minor claim with them... I'm still learning the ropes but seems logical that mainstream insurers might not fully appreciate the value of older cars, especially after minor incidents.
Yep, Hagerty's pretty solid from what I've seen. Had a client with a cherry '68 Camaro who dinged the fender at a car show—minor stuff but still heartbreaking, right? Hagerty handled it smoothly, no fuss about finding original parts or specialized repairs. Definitely worth checking out for peace of mind.
