I've had both Geico and Progressive here in NY, and honestly, they're both decent for daily drivers. But if you're talking about something special or higher-end, you might wanna look beyond just price. I had a minor scrape on my Audi S7 a while back—nothing major, but still made me cringe every time I walked past it. Progressive was pretty good about it, quick and hassle-free, but I've heard Geico can sometimes be picky about OEM parts. Might wanna double-check their policies on original replacements if that's important to you.
"Progressive was pretty good about it, quick and hassle-free, but I've heard Geico can sometimes be picky about OEM parts."
Totally agree with this point—OEM parts can be a sticking point with Geico sometimes. Had a similar experience myself when my Subaru got rear-ended last year. Geico initially pushed for aftermarket replacements, but after some back-and-forth, they eventually agreed to OEM. It wasn't a huge hassle, but definitely something to keep in mind if you're particular about your car's parts.
Also, another thing worth considering is how each handles roadside assistance. Progressive's roadside service has been consistently reliable for me—quick response times and helpful reps. Haven't personally tested Geico's roadside yet, but I've heard mixed reviews from friends.
Either way, both companies are solid choices for daily driving around NY. But if you're safety-conscious or picky about repairs (like me...), it's worth digging into the fine print a bit more before deciding.
Had a similar OEM parts issue with Geico a couple years back, but it wasn't too bad after some negotiating. Haven't needed roadside assistance yet (knock on wood...), but curious if anyone's had experience with how smoothly either company handles glass replacement? Heard mixed things, especially about windshield claims in NY winters.
Honestly, I've had clients who've dealt with windshield replacements through both Geico and Progressive in NY winters, and it's kind of a mixed bag either way. One of my regulars joked that dealing with windshield claims in January should be an Olympic sport—takes patience, endurance, and the occasional heated negotiation over OEM vs aftermarket glass.
Geico tends to push aftermarket glass pretty hard, but like you mentioned, they're usually open to negotiating if you're persistent enough. Progressive, on the other hand, can sometimes be smoother upfront since they're a bit more flexible about OEM replacements from the get-go. But—and here's the kicker—I've seen Progressive get picky with certain glass providers, so you might have fewer local choices depending on your area.
Funny story: one client swears by Progressive after they replaced his windshield within 48 hours during a nasty blizzard last year. Another client? Not so lucky—same company, same winter, waited over a week because the approved shop was booked solid. It's really a roll of the dice sometimes.
Bottom line, both companies can handle glass claims decently if you're proactive and clear about what you want. The real difference is probably gonna come down to how much you care about OEM vs aftermarket glass and how flexible you are with timing. If you're super particular about original manufacturer parts or need your car back ASAP (because let's face it, Ubering around in freezing weather is zero fun), you might lean slightly toward Progressive. But if you're comfortable negotiating and don't mind a bit of back-and-forth phone wrestling, Geico can still be a solid pick.
At the end of the day, insurance companies aren't exactly known for making things easy...but hey, at least it keeps my job interesting.
- Had Progressive handle my windshield replacement last winter on my Audi. Here's my quick take:
- Smooth initial call, no pushback on OEM glass (which was a pleasant surprise).
- BUT... the shop they recommended was booked solid for nearly a week. I ended up calling around myself and found another approved shop that could squeeze me in sooner.
- Friend had Geico and got aftermarket glass initially. He said the quality seemed fine at first but noticed more wind noise after a few months, so he regretted not pushing harder for OEM.
- IMO, if you're driving something higher-end or just picky about quality, Progressive might be slightly easier upfront. But still expect to do some legwork yourself—insurance companies aren't exactly bending over backwards to make things easy, especially in NY winters.
