"Windshield cracks are basically inevitable here, especially with all the construction debris flying around."
Yeah, learned that the hard way last winter... Progressive's separate glass deductible caught me off guard. Geico's straightforward approach seems simpler, but Snapshot's tracking still makes me uneasy. Tough call.
Haha, windshield cracks...the unofficial NY state souvenir. Had a similar surprise with Progressive's glass deductible myself—felt like a hidden boss level in a video game. Ever thought about skipping Snapshot altogether, or is the discount too tempting?
Snapshot's tempting, but honestly, the privacy trade-off bugs me. I'd rather hunt down discounts elsewhere—like bundling or defensive driving courses. Sometimes simpler is better, even if it means a slightly higher premium.
"Snapshot's tempting, but honestly, the privacy trade-off bugs me."
Yeah, totally get that. Snapshot always felt a bit too "big brother" for my taste too. If you're leaning towards Geico or Progressive in NY, here's what I've found helpful:
- **Defensive driving course**: Easy 10% discount in NY, lasts three years. Did mine online in a weekend—worth it.
- **Bundling**: Check renters or homeowners insurance combos. Geico was cheaper for me solo, but Progressive beat them when I bundled renters.
- **Payment options**: Paying upfront every six months can shave off a decent chunk. Progressive gave me a better deal here last renewal.
Honestly, sometimes the simpler route is less hassle even if it's a few bucks more. I switched from Geico to Progressive last year because their customer service was smoother for me personally... fewer headaches overall. Just my two cents.
"Honestly, sometimes the simpler route is less hassle even if it's a few bucks more."
Couldn't agree more with this. I've bounced between Geico and Progressive myself, and while Snapshot initially seemed appealing, the privacy concerns were a deal-breaker for me too. One thing I'd add—definitely look into roadside assistance coverage. Geico's roadside service saved my bacon during a flat tire incident near Albany last summer. Progressive offers something similar, but I've heard mixed reviews from friends who've used it.
Also, consider checking out their mobile apps. Progressive's app felt smoother and more intuitive to me, which matters when you're stuck on the side of the road fumbling through your phone. But honestly, both companies are pretty solid overall in NY. It might just come down to personal preference or minor perks at this point...
