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Some people don't see how the small things become big things. 12 years who, who would have thought we would have black boxes in our cars, that governments could listen in our conversations (even when our cell phones are off), or that ECHELON would monitor practically ever move we make online. You can't take a free nation's liberties overnight, we would riot in the street. You do it small pieces at a time. |
Snapshot is voluntary NOT mandatory. It does NOT use GPS. It simply monitors your cars vitals.
There's no reason to think insurance companies are going to start forcing people to use snapshot type devices. Again, insurance companies use all sorts of IMO irrelevant factors to determine your individual rate so why not use your individual driving habits if the individual so choses? I'd rather my insurance rate me based on my driving vs. rather or not I'm married/ single; male/female; my zip code and other uncontrollable factors. Now if you're too paranoid you aren't being forced to use snapshot but you are forced to comply with all the other uncontrollable / mandatory factors that are used to determine your rate. It's nice to finally have some control as to what our rates will be. If people are confident about their driving habits and there's an OPTION for them to receive a huge 30% discount and that's a good thing. Options that help people save are good things not bad things. |
Hey fellow Z enthusiasts! Long time lurker on the forums, first time poster.
I signed up for Snapshot last month and just received my discount after having it connected for 30 days. Everyone is aware that Progressive "claims" to not hold your speed into account when calculating your discount, so I decided to put it to the test. I had quite a few 90-100 mph runs over the last month, and yet I received the maximum 30% discount. The main thing that I can attribute the max discount to is the fact that I only had TWO hard brakes during that period. I also had zero miles logged between 12 and 4 AM, and averaged less than 30 miles per day. Those are the 3 criteria that Progressive base the discount on, or so they say. I can verify that their statement is true, as there were several occasions where my speed exceeded state limits (on a closed circuit of course). So, to anyone who is paranoid that your "spirited" driving habits might cause your rates to go up, or at the very least not receive a good discount, you're not to worry! Just be EASY ON YOUR BRAKES :) |
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Thank God I have USAA.
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Um... I'm not putting any sort of BS into my OBD2 port...
I assume it tracks speed an MAYBE RPM's... I also assume that most of us drive aggressively and/or have our "stretch of road" (which is of course a closed course) that we open up our cars... Sooooo... No thank you big brother Switch insurance. My State Farm BEATS the crap out of anyone's insurance rates |
I got the snapshot. I received about 7% discount because I had like 60 hard brakes during the first 30 days. It's so hard because the sport bakes are so good. And I always find myself deciding to make a hard brake or somewhat run a red light.
Other than that I don't drive it much, never between 12AM-4AM. So hard brakes play a big role in how they calculate the discount. |
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I use it in my truck and just received a 21% discount with 5 hard braking instances for the month. I dont think I would want it in my Z though, I tend to brake harder more often in it. I should see what discount i get by plugging it in while the Z is in hibernation over the winter :tup:
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Death By A Thousand Cuts...
”I believe there are more instances of the abridgement of freedom of the people by gradual and silent encroachments by those in power than by violent and sudden usurpations.”
James Madison :tiphat: |
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I am in Canada so I know things are different but no way I would want to be watched like that, your best bet to get cheap insurance is to shop around! |
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Yes, it does track vehicle speed, but they apparently don't care about that.
They only care about "hard brakes", which as it turns out, has nothing to do with how hard you press the brakes or if you even press the brakes at all. In a sports car like this, engine braking from downshifting is enough to change your vehicle's speed quickly enough to count as "hard braking". You know it's fundamentally flawed when this doesn't matter: http://www.the370z.com/attachment.ph...1&d=1423195174 Meanwhile, casually shifting from 5th to 4th at legal speeds slows you down too much and that causes a beep :shakes head: Don't even think of slowing down for a yellow light because the brakes on the car do their job way too effectively for Progressive - run every light that's about to turn red if you don't want it to beep at you :ugh2: |
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Yeah, saw 11-06 and thought it was 2014 :-\
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No Thanks. I don't need big brother insurance company looking over my shoulder.
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Progressive can suck my nuts, horrible company to deal with
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:bowrofl::roflpuke2::bowrofl::roflpuke2::bowrofl: |
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Progressive tried to bend me over and give it to me. Didn't even offer a reach-around. :mad: Obomba.........please. |
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but to the topic... so it's like these insurance monitors are not designed for sports cars. They want everyone to ride their brakes and run yellows not to trigger 'hard braking' silly. so so so soooooooo silly. Not that sports cars (and most luxury car's for that matter) can stop under 110ft. Or if you live downtown and have to constantly smash breaks cause of jay-walkers, random cyclists, pot holes, a-holes, cabbies and a whole bunch of other issues. |
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I have been driving 20 years and never had a single incident. I know I am a safe driver and I do not care what an insurance company thinks based on a silly generalization that a change in speed of 7 mph/s means you are slamming on your brakes. The only time I drive my car aggressively is late at night when there's no traffic on the road, but they have this stupid idea that late night is the most dangerous time of day to drive. That's absolutely absurd, it's by far the safest if you are a seasoned driver. |
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Down here in southern Florida, it's actually old people that are the most dangerous thing on the road. They're only out while the sun's up, because they eat dinner and go to bed at 4 PM. |
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Some people people pay outrageous premiums based on where they live, even with great driving records. I dont think theres anything wrong with giving a customer a chance to get a better deal, especially if they show they are not a high risk. Maybe they only use the car a few times a week and ride the bus or bike...
For anyone who thinks that it would be a big brother issue, think about the cellphone that you keep near you 24/7 |
full disclosure, i work for said insurance company.
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i consider myself a 'good' driver but i still remain super humble in my less than stellar driving abilities (especially when it comes to manual) Quote:
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it's all about choice... though i chose not to take it for less than obvious reasons :mad: |
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Absolutely, that's an unavoidable situation. Even if a car doesn't enter your lane, I've seen them run over something in the road and send it flying into the other lane. But my point is that really late at night, when Progressive assumes you're going to have an accident, there are so few cars on the road it's just not that likely. Just drive more cautiously when you actually encounter that single car along your 30 mile trip. As a general rule, around here drunk drivers late at night are easier to predict than elderly drivers during the day. So to be honest, it's not so much when you drive, but where you drive - Progressive completely leaves this out of its primitive equation. |
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accidents happen when you least expect it... seasoned driver or not. |
I used it in my Civic and HATED it. The beep is annoying as all get out, and their definition of "braking hard" is anything, including not braking, other than basically coasting to a stop. Another thing with driving a manual, is a lot of the time, when you have the slight roll backwards on a big hill before driving off, it reads THAT as a hard brake.
All said, it saved me a little bit of money, but it made driving in the city so annoying, I would've gladly paid the extra few bucks a month without using it. Edit: Also, switched to Geico now. Costs me about $60 a month less for my Z and my wife's Mazda 3 |
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