Good points here, especially about liability limits. One thing I'd add is to consider how each company handles premium increases after claims or tickets. From what I've seen, Geico sometimes raises rates noticeably after even minor incidents, whereas Progressive might be a bit more lenient—though it varies case-by-case. Have you checked how each handles accident forgiveness in NY? That can seriously save you down the road if your record isn't spotless...
I recently went through this exact dilemma—first-time insurance buyer here, and honestly, it felt like choosing between two equally confusing Netflix series. Accident forgiveness caught my eye too, especially since parallel parking in NYC is basically bumper cars... leaning slightly toward Progressive for that reason alone.
I totally get where you're coming from—insurance shopping can feel like navigating a maze blindfolded. Accident forgiveness is definitely appealing, especially in a city like NYC where minor scrapes are practically inevitable. I had a similar situation a couple years back when I was insuring my classic Mustang. Progressive caught my attention too because of their accident forgiveness and competitive rates, but ultimately I went with Geico due to slightly better pricing for my specific car and driving habits.
That said, if parallel parking is your daily reality (and trust me, I've seen the bumper-to-bumper chaos firsthand), Progressive's accident forgiveness could really save you some headaches down the road. It's practical to factor in your environment and driving style when making this choice, so leaning toward Progressive sounds pretty sensible in your case. Either way, you're already ahead of the game by carefully weighing your options—good luck with whichever you choose!
Honestly, as someone who's had their fair share of "oops" moments (let's just say my bumper has seen better days...), I'd lean toward Progressive. Accident forgiveness can be a lifesaver if you're prone to NYC parking battles—trust me, those little dings add up fast.
"Accident forgiveness can be a lifesaver if you're prone to NYC parking battles—trust me, those little dings add up fast."
Good point about accident forgiveness, though it's worth double-checking the fine print. Progressive's forgiveness usually kicks in after you've been accident-free for a while. Anyone checked how Geico compares on that front?
