Should I Use The Snapshot With Progressive? What Are Your Experiences With It?

I just got Progressive insurance on my car and am paying $57.93 a month. Which compared to Allstate who wanted me to pay $84.00 a month I took Progressive. So now I’m seeing this little snapshot that I can use to plug into my car and it will measure my good/bad driving habits and I can save money on my monthly bill. It sounds pretty good and I’m thinking about trying it.
1. How good is it? How big of a difference does it make on your bill and if I speed, hit my brakes hard now and then (which I do with the city I live in) or if I put a bunch of miles on my car (I do I’m driving to work and my boyfriend lives 30min away among other errands I run) will all of that make my rate go up? How does that work.
2.What are your experiences with the snapshot is it worth doing and does it cost anything?

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3 Responses to “Should I Use The Snapshot With Progressive? What Are Your Experiences With It?”

  1. Dan B says:

    My answer applies to all devices such as Progressive’s Snapshot. Other insurance companies have similar devices, just not as widely advertised (in my area). I don’t have it because I have a couple of issues with anything like that. If an idiot driver pulls in front of you, you break hard to avoid the collision. I don’t think a one-time event like that will trigger a higher rate, but here in Phoenix, it’s almost a daily occurrence.
    Okay, they start tracking your speed, braking effort and time of day when you drive. Later, they will track EVERYTHING to see where they can eliminate any discount you may have been able to earn before. Note: OBDII does not record acceleration/deceleration rates. The device will record speed changes over a period of time. 0-60mph in 8 seconds might cost you, but if you are accelerating to get the freeway, why should it cost you?
    If my job requires me to work certain hours where I’d be driving during the high risk hours of the day/night (morning rush, evening rush and 12:00am – 4:00am), then the device is useless.
    In some states where it is allowed, insurance companies are charging people who have this device calling it a Technology Fee (about $5/mo). That’s BS!!!

  2. Alisha says:

    The device keeps track of how hard you break, how quickly you speed up, and what time of day you drive most. Every time you break too hard (which the device will beep when you do so you will know what a hard break is), speed up too quickly, or go out driving between 12am-4am, it will count against your “good driving” score. So how good it is or how much of a discount you get is completely dependent on your ability to drive a little bit calmer than average and stay inside during “dangerous” times of night.
    I went out driving after midnight quite frequently and was a little heavy on the gas but I still got a 15% discount, which really helped when I had to get my policy renewed. I think its pretty hard to not get a discount of some kind when using this. There is no fee for this, unless you do not return the device when asked to do so – they charge $50 for devices that aren’t returned.

  3. Brian W says:

    I used that device and I drove real good, only got .75 hard brakes every 100 miles driven and still only got 8% discount. I left because it was not worth it for me. Others might get better discount, it seems to be random. I never drove after 12am. My opinion is that is a waste of time, and a trick to secretly raise rates. They say rates will not go up, but there are countless people that state their rates slowly went up after hitting the six month mark on the snapshot. It is a scam, they fudged my statistics to justify crap discount. I notice a day before my 30 day review ALL of my numbers were much higher than they have been for the rest of the month.

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