Progressive Snapshot

Vbp6US

Very true. Anyone else notice ATT's little trick on Uverse? They start you off with a nice low introductory rate. Over a years term however, they will increase that rate multiple times, up until you want to say . I do miss the fiber to street internet speeds. I <3 dedicated 20mbs.

cerruto

Yeah its a bit strange. I was in a "test market" to try this "cool" new thing that would track everything I do and give me a percentage of up to 15% off my next bill. I kept asking questions about if I sped or drove at weird times on heavly traffic roads if the data clould have a negitive effect and increase my bill. The rep said plain as day, "YES". So I opted out and he said "If I had a Z I think twice about doing do it". I dont know if he was full of it or what. End story, watch out for big brother.

Nick911sc

This is directly from the Progressive website.. Just part of the paragraph but yea..

Snapshot Pricing. Snapshot data will be used in determining your rate for each enrolled vehicle. This may result in a discount or, in some cases (in certain states), a surcharge.


Here are the terms and conditions where that is located

http://www.progressive.com/auto/snap...onditions.aspx

ImportConvert

Surcharge...is that like a...rate hike?

Nick911sc

Insurance lingo for charge you a fee above what you're base premium is. So yea, I guess you could sort of say a rate hike.

Augustus

Insurance laws vary from state-to-state and are heavily regulated. Here in Illinois, for instance, the Snapshot thing isn't even allowed (probably because State Farm has lobbied against it...)

FAQs: Snapshot Discount, Pay As You Drive®, Usage-Based Insurance ? Progressive

"Could my rate go up based on my driving?
No, Snapshot won’t increase your rate.* And remember, you can track your projected discount online, and if you don’t think you’ll save money, you have the option to cancel Snapshot. "

The * points to a disclosure about Georgia & Rhode Island. Rhode Island appears to be the only state that allows them to raise your rates based on the Snapshot, up to 9%.

The Progressive Corporation — MyRate Terms & Conditions

So unless you live in Rhode Island, or your particular state changes their laws sometime in the future, the Snapshot shouldn't cause your rates to increase. Shouldn't. But I'm not sure how much faith I'd put into that, because insurance companies can and do fiddle with rates as they see fit. Slap on a Snapshot and drive 100mph at 2am every day. Your rates may not increase right now, but I bet they will at your next renewal. Insurance companies love data. And they will use it against you. And I say that as someone who used to work as a data analyst at a global life insurance company. If you do anything that violates their "good driver" rules, I guarantee that there's a database somewhere that's logged it.

All that said, I would not want one of these in my car. I'm not much of a tin-foil hatter, nor do I drive recklessly or at odd times, but the idea of this creeps me out.

I doubt this sort of thing will become mandatory for all drivers. Not for a while. But I would bet that as other companies develop their own versions, we'll start to see increased rates for those that refuse it. I can also imagine companies only offering insurance to certain high-risk groups if the customer agrees to have one of these.

Until then, the best way to save money on insurance is to cross-shop other insurance companies.

If anyone has a Snapshot - it plugs into your OBD2 port, right? Couldn't you just unplug it if you're doing something you shouldn't be?

KillerBee370

Big brother. No thank you.

gbrettin

Import - I'm going to need diagrams and flow charts to properly understand your hatred. I thought they were a pretty reputable company?

KillerBee - I'm with you on that. It makes me feel a little dirty considering it. Maybe that's my conscious trying to tell me something.

Next month I'm going to ride my bike quite a bit so I was thinking of installing it then. It doesn't lock me into anything so it shouldn't hurt to atleast try I guess. If there was fine print somewhere where required it to be the car for the "savings" then I would tell them to blow it out their a$$.

ImportConvert

Better?

frost

Brilliant.

__________________
370z OG

vo2max99

Everyone has horror stories about Insurance companies. With that said Progressives Snapshot is well worth it as long as you: A. Don't drive like a ****. B. Don't drive over 30 miles a day average. C. Aren't regularly driving between 12-4am.

The device does NOT track you with GPS / spy on you and other crazy **** people go emo over.

It's a VERY EASY way to save 30% off your insurance. It's a no brainer unless your daily commute is longer than 30miles and you can't resist driving like a **** on wheels.

Mike

I bet they would freak if you did a track day with it on there!

__________________
NISSAN: 75 280Z / 86 300ZX GLL /87 Sentra SE / 03 350Z / 23 Z
Porsche: 93 968 / 23 Macan GTS / 93 968

Speedy

Progressive is a joke. They tout being a "motorcycle" insurance company and all that garbage. I got a quote on my CBR1000RR and it was 5X what State Farm charged me.

As for that dingle berry OBDII connector...two words...NO WAY. Big brother watches enough I'm definitely not volunteering for more.

vo2max99

Progressives snap shoot device doesn't track you with GPS or anything. The device simply measures your cars vitals so it's nothing to get all paranoid over.

* Regularly drive more than 30 miles a day?

* Regularly drive between 12-4am?

* Regularly stomp on your brakes?

* Regularly drive like a ****-on-wheels?

If you answered "No" to all 4 questions snapshot is a no-brainer easy way to save 30% off your premium.

Progressive is great. I got a quote from Allstate / State Farm and they were going to charge me a fortune compared to the rate I got with Progressive. When your **** breaks they fix it ASAP as well

shadoquad

I don't trust it. I don't need a nanny installed on my OBDII.

I do drive more than 30 miles a day, each way, to work.

I may have to drive between 12 and 4. What business is that of theirs?

Sometimes brake stomping is inevitable, especially if you live in high traffic areas.

What is the definition of "regularly"? What is that variable?

they should not be allowed access to that information, let alone given the ability to charge extra fees based on their collection.

"Paranoia" isn't the issue. Civil liberties are. Driving somewhere without anyone collecting data is the issue. Whether you drive within their standard or not, this is invasive, and if Progressive has success with it, every insurance company may begin to offer it, then may require it, and since we all have to carry some form of insurance to operate our vehicles, it's easy to see why people are concerned, as this may be rammed down our throats in a decade or so.