I've been driving in NY forever and had both at one point or another. Honestly, here's how I'd break it down: First, forget the apps—everyone hypes them but they're all pretty similar. Second, claims are key. Geico was quicker for me too, but Progressive wasn't exactly slow either. Third, call both and ask specifically about your car model and zip code—rates vary wildly by neighborhood here. Bottom line, don't overthink it...pick the cheaper quote and move on.
Had Geico for a while, switched to Progressive last year cuz they gave me a better deal at renewal. Honestly, claims-wise they're both decent—had a minor fender bender with Progressive and it was pretty painless. But yeah, the zip code thing is no joke...my cousin lives like 10 mins away and pays way less than me. Just grab whichever saves you cash, insurance is such a toss-up anyway.
"But yeah, the zip code thing is no joke...my cousin lives like 10 mins away and pays way less than me."
Yeah, the zip code lottery is real—I've seen folks literally across the street paying noticeably different rates. Both Geico and Progressive are pretty solid overall, but one thing I'd add is to double-check coverage details beyond just price. Sometimes a slightly cheaper premium means a sneaky deductible increase or less comprehensive coverage. But honestly, if your experience with claims has been painless, you're already ahead of most people I talk to...count your blessings there, haha.
Man, tell me about it...my buddy two blocks away saves enough on his insurance to buy pizza every weekend. But yeah, if your claims have been smooth sailing, you're already winning at the insurance game, haha.
I've dealt with both Geico and Progressive a fair bit through work, and honestly, they're both pretty solid options in NY. Geico tends to be pretty straightforward with claims—usually quick processing times and decent customer support. Progressive, on the other hand, can sometimes edge them out on price depending on your specifics (car model, driving history, zip code, etc.), but their claims handling can vary a bit more. Not saying they're bad at all, just a touch less consistent from what I've seen.
Funny you mention pizza savings—one of our regular customers switched to Progressive last year and joked he was saving enough every month to fund his Netflix and pizza habit, haha. But then again, another guy I know swears by Geico because when he had a fender bender last winter, they had him sorted out in no time—rental car and all. He said it was the smoothest insurance experience he's ever had.
If your claims experience has been good so far, that's definitely a win. People often underestimate how much hassle a bad claims process can be until they're stuck dealing with it. I'd say if you're mainly after savings and your record is clean, Progressive might be worth a shot. But if you value predictability and a smoother experience when things go sideways (fingers crossed they don't), Geico could be your safer bet.
Either way, pizza every weekend sounds like the real goal here... priorities, right?
