Progressive Snapshot
 

Has anyone used Progressive's Snapshot ODB2 reader in their Z for better insurance rates? Was their noticeable savings in the insurance quote by using it?

Progressive is one of the companies I have to offer my clients in the office. I have yet to see anyone use this feature. To be honest it sort of scares me lol

Ya i'm sorry, but f*ck everything about that thing.

My neighbors saw $20 bucks over 6 months. that is all.

I switch to Allstate an save over $500 bucks ever 6 months.

Progressive would probably send the police to my house if I attached that thing to my Z...

:icon18:

I had the snap shot on 2 of my vehicles. 1 on the Z and 1 on F-150 DD. it lower my premium 15 % on my DD and lowered 30 % on the Z. I do not drive the Z as DD. it also reflected that on my renewal since I had it on for 8 weeks.
after that time frame I returned the snap shot.you can view your driving habit on line.

I have a hard time believing it dropped your premium that much unless you were already placed in a higher tier and then they brought you down based on your driving habits. If that's the case then it worked heavily in your favor to use the snapshot. I'd be more interested to see how it would effect someone in the best tier.

+1

:icon18:

I have one now on my wife's Z and my Expedition. After 30 days our initial discount saves us about $90 over 6 months. We received a 8% discount on the Expy and 13% on the Z.

FYI, the parameters that matter are total miles driven, number of hard stops (>7 mph decrease per second) and time of day the car is driven. Driving late at night or very early morning is considered dangerous and can influence your discount. Speed driven is tracked but does not affect your discount! My wife forgot it was installed and took the car up to about 90 on a empty toll road before remembering the snapshot was installed. I checked out the Progressive website afterwards and it showed the maximum speed but further research showed it did not affect the discount calculation.

We have to leave the snapshots installed for a minimum of 75 days. Since my wife rarely drives her car she is only averaging 26.3 miles per week so far and I'm sure that is where most of here discount comes from. As for my truck, it seems I have a penchant for hard stops.:icon17:

Progressive, too. Ever since some guy hit my car in Texas and Progressive refused to pay for it even though he AND the state trooper said it was his fault 100% and I was PARKED PUMPING GAS when he hit my car, f*ck their cheap ****. They didn't "eventually" pay, either, and his entire company dropped them (He owned an electric company), and thank god, he wrote me a check because he was a stand-up guy.

It was at a gas station off of HWY 59 outside of Houston. Private property. Not liable.

Screw them. Get some real coverage. Progressive is a joke that preys on people who are looking to save a buck. Good luck when you are liable for anything you do in a parkinglot. Ding an AMG car and owe $5K for a headlight, hood, and paint? Hope you saved a few bucks with your cutrate ghetto insurance company, because that's coming out of YOUR savings.

Sorry for the rant, but seriously. **** Progressive.

not to mention, the founder is obama's biggest supporter, hence the name of the company.

Is there a minimum number of miles you have to drive?

They offered the snap shot to me back in June of 2010. I was thinking about taking them up on it till they told me it could raise my rates if the data suggested poor driving habits.

My coworker used it and had a pretty significant savings. $50 a month I want to say (although, they had a total of 3 cars insured.)

That's not the way it was originally advertised. They originally advertised it as a no risk kind of thing.

That's how most things start. Harmless and benign.

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

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

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.

True story.

PS, the more people jump on the bandwagon and allow them to do that stuff, the shorter the time before we all HAVE to do it just to get insurance.

Big brother. No thank you.

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$$.

Yep. Pretty soon they will enact some sort of homeland security law that allows them to mail you a ticket through some legal back-door that took another right from you.

Better?

http://i41.tinypic.com/1z17b5d.jpg

Brilliant.

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 :gtfo2:. I do miss the fiber to street internet speeds. I <3 dedicated 20mbs.

Not that I'm aware of. I guess I'll know in 75 days.

I'm sorry you had a bad experience with them, but I've had them for several years and they have been very good. I was backed into in a parking lot by someone else covered by Progressive and there was no problem whatsoever. Another time my wife's S2000 was damaged in a parking lot and the driver left without leaving a note. Again the coverage was very good, the only problem was they tried to fix the plastic bumper instead of replacing it. After I pointed out to poor quality or repair everything was taken care of.

I had State Farm coverage for over 20 years until I bought a Ford Lightning and they tried to charge double over a standard F150. My experience with Progressive has been at least as satisfying as with State Farm.

David

It's really hard to make blanket statements about insurance companies on the internet because laws vary state by state. For example, in Imports state they may be legally allowed to not pay out for something on private property but in your state, they're legally obligated to.

With that said, I had a towing company damage my VW during towing. Once I finally got the insurance info from the towing company, Progressive was great.

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?

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. :wtf2:

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.

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

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.

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 :)

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.

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.

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.