Progressive vs. Geico

If you are looking for car insurance in San Diego, you might be wondering how Progressive and Geico compare in terms of rates, coverage, discounts, and customer service. Both companies are among the largest and most popular insurers in the US, but they have some differences that may affect your decision. Here is a brief overview of how Progressive and Geico stack up in San Diego.

Rates: According to a study by The Zebra, the average annual premium for Progressive in San Diego is $1,512, while the average for Geico is $1,341. This means that Geico is cheaper than Progressive by about 11% in this city. However, your actual rate may vary depending on your age, driving history, vehicle type, credit score, and other factors.

Coverage: Both Progressive and Geico offer the standard types of car insurance coverage, such as liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and personal injury protection. They also offer some optional coverages, such as roadside assistance, rental car reimbursement, gap insurance, and custom parts and equipment coverage. Progressive has a unique coverage called Name Your Price Tool, which lets you choose a price that fits your budget and then shows you the coverage options available for that price. Geico has a unique coverage called Mechanical Breakdown Insurance, which covers repairs for mechanical problems that are not caused by an accident or normal wear and tear.

Discounts: Both Progressive and Geico offer a variety of discounts to help you save money on your car insurance. Some of the common discounts they offer are for multi-policy, multi-vehicle, good driver, good student, defensive driving course, anti-theft device, and military. Progressive has a unique discount called Snapshot, which is a usage-based program that tracks your driving habits and rewards you with lower rates if you drive safely and less frequently. Geico has a unique discount called DriveEasy, which is a similar program that also monitors your driving behavior.

In conclusion, both Progressive and Geico have different rates, coverages, discounts, and customer service ratings in San Diego. You should compare quotes from both providers based on your specific situation and preferences and consider other factors such as customer reviews, financial ratings, and claims satisfaction. By doing so, you can find the best car insurance policy for you.