Been there myself—insurance shopping can feel like navigating a maze blindfolded. Honestly, both Geico and Progressive have decent reputations, but you're right to consider claims handling seriously. I've had colleagues who've praised Progressive's customer service during accidents, though Geico does tend to offer competitive rates upfront. Don't stress too much; whichever you pick, it's not permanent—you can always switch later if things don't pan out. And hey, parking forever sounds tempting until winter hits...trust me on that one.
You're definitely approaching this thoughtfully, and that's commendable. Insurance shopping can indeed feel overwhelming, especially in a state like NY where traffic and weather conditions can complicate things quickly. I've personally had experience with both companies—Geico initially drew me in with their competitive pricing, but Progressive's claims handling impressed me more when I needed it most. Their representatives were thorough and responsive, which made a stressful situation much easier to manage.
Still, your point about flexibility is spot-on; you're never locked into one insurer forever. Policies renew regularly, giving you plenty of opportunities to reassess your choice down the road. And yes, as tempting as permanent parking sounds (especially after dealing with city traffic), winter street parking nightmares are no joke...I've seen enough icy mishaps to last a lifetime. You're doing the right thing by weighing these factors carefully—good luck!
"Geico initially drew me in with their competitive pricing, but Progressive's claims handling impressed me more when I needed it most."
Yeah, I've seen this play out a few times myself. Geico's rates look great at first glance, but I've had clients who weren't thrilled when claim time rolled around—especially during NY winters. Progressive seems to handle messy situations better overall, from what I've noticed. Still, everyone's experience varies...definitely smart not to lock yourself into one mindset just yet. Good luck navigating the chaos of city parking this winter!
I'm new to the whole insurance thing and honestly, all these stories about claims make me a bit nervous. Geico's prices caught my eye too, but now I'm wondering if saving a few bucks upfront is worth potential headaches later. Has anyone had experience with smaller claims, like minor fender benders or parking scrapes? Curious if Progressive handles those smoothly too, or if it's mostly the bigger incidents they're good at...
I've had Progressive for a few years now, and honestly, they've been pretty solid with smaller claims. Had a minor scrape in a parking lot last year—nothing major, just some paint damage—and the whole process was surprisingly painless. Filed online, uploaded a couple pics, and got it sorted without much hassle. Geico might save you a bit upfront, but peace of mind counts for something too... especially when you're new to insurance. I'd lean toward Progressive if smooth claims handling matters to you.
