"Progressive's wording does seem better, but anyone actually tested their rental coverage yet?"
Funny you mention that—I haven't personally tested Progressive's rental coverage, but my brother-in-law had them last winter. He ended up with a decent midsize sedan, no clown car situation at least. Still, wording and reality aren't always the same... anyone else have firsthand experience?
I'm leaning toward Geico myself, but haven't pulled the trigger yet. Progressive's wording does sound reassuring, but like you said... wording isn't everything. Has anyone dealt with Geico's rental coverage in NY? Curious if they're any better.
I had Geico rental coverage last year after a minor accident in Brooklyn. Honestly, it was pretty smooth—no headaches or surprises. Progressive might sound reassuring, but Geico actually delivered when I needed it... you're probably safe leaning that way.
Had Geico a couple years back when I was living in Queens. Never had to use the rental coverage (thankfully), but when my side mirror got clipped by a delivery guy on a scooter (classic NYC moment...), Geico handled it pretty painlessly. Progressive always seems tempting with their commercials and all, but Geico's prices were consistently lower for me. Honestly, saving a few bucks each month feels like winning a tiny lottery—I'll take it.
I've been leaning toward Progressive myself, mostly because their app looks pretty user-friendly and I like the idea of snapshot discounts. But hearing your experience with Geico makes me reconsider a bit. Did you ever try comparing their customer service response times? I mean, price is obviously important, but if something happens (like your scooter incident, lol), I'd want to know I'm not stuck waiting on hold forever. Curious if anyone else has noticed a significant difference between the two on that front.
