Stuck Between Geico And Progressive In NY, Thoughts?
Man, the OEM parts thing is wild—like, why is it so hard to get a bumper that actually fits? I had a similar headache with my ‘95 Caprice. The adjuster basically laughed when I asked about original parts. Ended up with an aftermarket fender that never quite lined up right... guess that’s just how it goes with older rides.
NY insurance rates are a whole different beast. Mine crept up too, and I haven’t even had a claim in years. Is it just the zip code lottery, or are they all raising rates across the board? Geico’s roadside left me waiting almost three hours once—by the time they showed up, I’d already made friends with the tow truck guy from another company. Progressive’s site is glitchy for me too, especially on mobile. Makes you wonder if any of these companies actually want your business.
Ever tried Erie or even one of those local agents? I’ve heard mixed things, but at this point, I’m tempted to just roll the dice and see if anyone else can do better. Or maybe I should just start biking everywhere...
Man, you’re not wrong about NY insurance being its own special kind of headache. The OEM parts thing is a joke—most carriers will do anything to avoid paying for them, especially on older cars. I’ve seen people fight tooth and nail just to get a halfway decent replacement, and half the time it’s still not right. It’s like they expect us to just accept that “close enough” is good enough.
Rates creeping up? That’s happening everywhere, not just your zip code. NY’s got some of the highest premiums in the country, and lately it feels like every company is using inflation as an excuse to bump things up across the board. Geico and Progressive both have their quirks—Geico’s roadside is hit or miss, and Progressive’s tech can be glitchy (I’ve had clients complain about that too).
Honestly, local agents or smaller companies like Erie can surprise you. Sometimes they actually pick up the phone and know your name, which is wild these days. Not saying they’re perfect, but at least you might get a human who cares if your bumper fits. At this point, biking everywhere doesn’t sound half bad...
Had a similar headache last year when my minivan got rear-ended. Geico wanted to slap on some off-brand tail light that didn’t even fit right. Took weeks of back and forth before they finally agreed to OEM, but only after I threatened to switch. Customer service was polite but useless. If you care about parts quality, neither company makes it easy.
- Honestly, I’ve had the opposite experience with Progressive.
- Had my bumper replaced last winter after a fender bender—no drama, they used OEM parts right away.
- Adjuster was upfront about what was covered and didn’t try to push aftermarket junk.
- Not saying they’re perfect, but Geico gave me more runaround when I had them a few years back.
- I get that both companies can be a pain, but sometimes it depends on the shop you pick or even the adjuster you get stuck with.
- If you’re in NY, check which shops are in-network for each company. Some shops will fight harder for OEM parts than others, and that makes a difference.
- At the end of the day, none of these insurers are really looking out for us, but I’d take Progressive over Geico based on my own headaches.
- Just my two cents... your mileage may vary.
I get where you’re coming from, but my run with Progressive wasn’t nearly as smooth. Maybe it’s a NY thing or just bad luck, but I had to push pretty hard to get OEM parts after a minor accident last fall. The shop kept going back and forth with the adjuster, and it dragged out for weeks. Honestly felt like they were hoping I’d just give up and take whatever they offered. Guess it really does come down to which adjuster you land with… or maybe even the mood they’re in that day.
