Your points are spot-on, though I'd add:- Geico's initial savings can be tempting, but Progressive often balances out better long-term, especially after a claim. - NY potholes are no joke...Progr...
Yeah, Snapshot had me driving like my grandma for a month...not fun. Progressive was solid when I blew a tire on the LIE—quick claim, no hassle. Geico's cheaper upfront, but claims matter more in NY traffic, trust me.
Good points all around, but I'd throw in a quick counter:
- Geico's claims aren't always as rough as people say. Had a client recently who totaled his bumper on the BQE (typical NY story, right?), and Geico handled it surprisingly smoothly—no headaches or delays.
- Snapshot can be annoying, true, but Progressive isn't always cheaper long-term. Seen plenty of cases where rates jumped unexpectedly after minor claims.
Bottom line: don't write off Geico completely...they've stepped up their game lately.
Fair points, but from my experience, Geico's smoothness can vary a lot depending on the adjuster you get. Progressive's Snapshot discounts seem tempting at first, but yeah...those surprise rate hikes after minor fender-benders can sting. I'd lean toward whichever gives you stable rates long-term.
Totally agree about stability being key. Had Progressive a while back, Snapshot seemed great till I tapped someone's bumper in a parking lot—rates jumped way more than expected. Geico's been decent, but yeah, adjusters can be hit or miss... I'd prioritize steady premiums over flashy discounts any day.
"I'd prioritize steady premiums over flashy discounts any day."
Same here. Had Geico for a few years now, and while they're not perfect (had one adjuster who took forever...), my rates barely moved after a minor fender-bender. Progressive's Snapshot sounded tempting, but I've heard too many stories like yours about sudden hikes. I'd rather know exactly what I'm paying each month—no surprises. Maybe check if either offers accident forgiveness in NY? Could help keep things predictable.