Honestly, picking between Geico and Progressive feels like choosing between waiting on hold or... waiting on hold. I just got my first quote and nearly choked on my coffee. Both seem to have “surprise fees” hiding somewhere. Anyone else feel like you need a PhD to read these policies?
Honestly, I hear you on the “surprise fees”—I’ve had both Geico and Progressive over the years for my car, and it always feels like there’s some fine print you missed until the bill shows up. For me, coverage details matter way more than just the monthly rate, especially with a pricier car. Have you looked into how each handles claims for high-value vehicles? Some companies are way better about OEM parts and repairs than others...
“it always feels like there’s some fine print you missed until the bill shows up.”
Yeah, that’s exactly what happened to me with Progressive last year. I thought I was getting a deal, but then the renewal came with a random “policy fee” I didn’t see coming. I’m driving an older Honda, so I’m not as worried about OEM parts, but now I’m wondering if Geico would pull the same thing? Anyone actually had them cover repairs—like, do they go cheap on parts or is it just the billing that’s sneaky?
Had Geico for a few years in NY—here’s what I’ve noticed:
- Didn’t get any weird surprise fees at renewal, but their rates crept up each year anyway.
- When my minivan got sideswiped, the shop used aftermarket parts, not OEM. Didn’t really care since it’s not a fancy car, but if you’re picky, might bug you.
- Claims process was smooth, no headaches or endless calls.
- Billing’s pretty straightforward, but yeah, always double-check the “extras” section... insurance companies love their fine print.
Honestly, both seem to play the same game. Just depends which flavor of annoying you can live with.
Had a similar run-in with Progressive after a fender bender in Queens. Claims went through quick, but they also defaulted to aftermarket parts—guess that’s just standard now unless you push back. One thing I noticed: their “accident forgiveness” sounded great, but the fine print made it less useful than I’d hoped. Rates crept up for me too, even with no tickets or claims. Honestly, feels like whichever you pick, you’ve gotta keep an eye on the details every renewal.
