I hear you on that one. A few years back, I went with Progressive because their quote was lower, but when someone rear-ended me on the Cross Bronx (nightmare scenario, btw), the claims process was a bit of a headache. Not terrible, just... slow and frustrating. Switched to Geico after that, and while they're not perfect either, I've found their claims handling smoother overall. Definitely worth checking out reviews specific to NY though—our state's insurance quirks can make a big difference.
I get what you're saying, but honestly, I've had the opposite experience. Been with Progressive for about five years now, and when someone sideswiped me near Queens Blvd last year, their response was surprisingly quick and hassle-free. Geico quoted me lower initially, but friends warned me their customer service could be hit or miss in NYC. Might just depend on who you talk to or the specifics of your claim... city driving is always a gamble anyway, lol.
"Geico quoted me lower initially, but friends warned me their customer service could be hit or miss in NYC."
Can confirm this... had Geico briefly when I first bought my Audi and their rates were tempting, but the one time I needed them (minor fender-bender downtown), it was a bit of a headache. Progressive's been smoother overall for me too.
Same experience here. Had Geico for about a year when we got our Subaru, mainly because the initial quote was pretty attractive. But when I had to file a claim after someone clipped my side mirror in Queens, communication was slow and kinda unclear... ended up having to chase them down for updates. Switched to Progressive shortly after, and so far they've been more responsive—especially with minor incidents or quick questions.
"Progressive's been smoother overall for me too."
Agreed, although I wonder if Geico's inconsistency is specific to NYC or if it's similar in other big cities? Seems like customer service can vary widely depending on location, even within the same company. Curious if anyone outside NY has had similar experiences.
I've noticed similar trends handling claims—Geico can be hit-or-miss depending on the city. Progressive usually has clearer processes, especially for smaller stuff like mirrors or fender benders... seems less stressful for customers overall. But yeah, location definitely plays a role.
