Progressive Snapshot

LakeShow

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|Sold|2011 370z|Gun Metallic|Touring/Sport/Nav|

onzedge

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vo2max99

Progressives Snapshot is invasive? lol...

They aren't forcing people to use it and they clearly outline the rules.

Again, they aren't tracking you with GPS.

If you regularly drive more than 30miles a day, stomp on your brakes, drive like a ****-on-wheels and drive between 12-4am you won't get the best rate. Otherwise it's a really easy and simple way to save a whopping 30%.

Insurance companies use a lot of different factors to determine your individual insurance rate such as your credit score, rather you rent or own a home, your gender/age and so on.

If anything it makes more sense to take into account your driving habits to determine risk.

The more time you spend on the road the higher the chances you get into an accident. The same goes for slamming on your brakes, driving between 12-4am (greater chance of getting stopped by police for speeding, etc).

Regardless there's nothing being cramped down anyones throats here and no reason to believe anything in the future will be. It's simply an easy way for people to save a **** ton on their insurance if they so chose.

shadoquad

I know better than to think you'll learn from further argument.

But I'm sorry, no insurance company needs to know more than they already do about my driving habits, good or bad, and I'll put my pristine driving record against anyone else here. It's an invasion of privacy. Just because people are willing to sell themselves out to get a small discount, that doesn't make it right for the rest of us. If this program succeeds, it could become mandatory down the road, because that is the underlying nature of the car insurance business and their cushy status with the government. If you can't see that, it is your own failing.

frost

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.

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vo2max99

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.

zsalesmanz

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

Ardent_Z

Thank God I have USAA.

DEpointfive0

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

hadokenuh

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.

DEpointfive0

God help us... They WANT you to slam on your brakes??? And I can't drive from 12-4AM... No thank you again...

madwi

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

PaulZ370

”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

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LMBmikeZ

^^ why do all the post from this guy almost sound like he works for progressive?

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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Kaldaien

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:



Meanwhile, casually shifting from 5th to 4th at legal speeds slows you down too much and that causes a beep

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

Attached Images

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