April 19th, 2011

Review: Progressive Snapshot Discount Rewards You For Driving Less and Braking Softer

102 Comments | Twitter | |


Do you know Flo, the Progressive Insurance spokesperson? Well, she’s got something new in store for Progressive customers, and this product won’t cost them a cent. In fact, it’ll most likely save them money.

It’s called the Progressive Snapshot Discount, and it’s making waves in the auto insurance industry. Snapshot Discount is Progressive’s “Pay As You Drive” program and tracks your vehicle usage via a voluntarily-installed device to give you the opportunity to save up to 30% on your Progressive insurance plan.

How does it work?

After enrolling in the program, you’ll receive a Snapshot device in the mail within 10 days, including instructions on how to install it into your car. After the device is installed, it collects data on three different aspects of your driving:

  • Time of day
  • Miles driven
  • Number of “hard brakes”

After using the device for at least 30 days, Progressive may give you a discount up to 30% based on your driving report, which you can access via your Progressive account online. Once your policy renews, your discount is finalized.

What does the data mean for my insurance?

Time of day: The reason Progressive tracks what time of day you is simple: if you drive during peak hours for accidents, such as between midnight and 4 a.m., the likelihood you’ll get in an accident is much higher than if you drive during off-peak hours. If the majority of your driving is during less accident-prone hours, you may see a larger discount.

Miles driven: Many insurance companies ask drivers to supply this data, meaning that drivers track their own mileage and report that amount. Because Progressive tracks mileage digitally through the Snapshot device, the chance of an accident can be better predicted. The general idea is that the more miles you drive, the more likely you’ll get into an accident.

Hard brakes: A hard brake is when the car’s speed decreases at a rate greater than 7 mph per second. More hard brakes per day may indicate less cautious driving. Progressive will give higher discounts to drivers with fewer hard brakes.

What are the pros?

If you’re already a customer, the Progressive Snapshot device can stand to save you money on your existing insurance plan. Progressive clearly states that they won’t raise your rates based on your Snapshot driving report. If you’re signing up with Progressive for the first time, it can reduce the insurance amount that is first quoted to you.

The device is free when you sign up and easy to install. It’s almost a no-brainer when it comes to saving money: Why wouldn’t you sign up for Snapshot? But there may be a few reasons to proceed with caution.

What are the cons?

The Snapshot device doesn’t work on vehicles older than 1996, so don’t try to install it on your classic car. It’s also only available in 30 states, and in four states—Alabama, Georgia, Rhode Island, and South Carolina—the maximum discount you can receive is 25%.

Another consumer concern is privacy. Although the Snapshot device does not have a GPS nor is it tracking things like speed, it can still make customers uncomfortable to install a device into their car that’s tracked by satellite technology. However, Progressive does state that it doesn’t share your driving data with anyone.

Bottom line: Will insurance companies one day be able to access even more data and base your insurance rate on both good and bad driving habits? It’s possible. Right now, there are regulations in place to prevent that kind of rate discrimination, so Progressive’s Snapshot is a good choice for those who want to save on their insurance based on their safe driving habits.

There are more ways to decrease your insurance rates. Your insurance score is a good predictor of your insurability. Monitor your insurance score on Credit Karma and make sure you’re making the right moves to improve it, like having a good mix of credit, and keeping your credit utilization under 30%. Also, check out the “My Savings” tab to find the best auto insurance rates for you.

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Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. I have my share of hard brakes… nevertheless, all you fraidy cats and naysayers. I went from paying $480 PER MONTH in Florida to $212. This is FOR REAL. For those savings, I could care less if Progressive knows how fast I drive, or, for that matter, who I date or my political affiliation!

    Billie at 2:50 am on March 12, 2012
  2. plugged it in today. Let’s see how it goes. I’m hoping for a significant discount.

    carole at 7:14 am on April 26, 2012
  3. I’ve been considering one of these since I’m going to be joining up w/ Progressive next month since my current insurance is about $15 more then if I joined w/ Progressive, so I’ll take this review (since it’s the most sincere & honest one) that I’ve seen to heart.

    Sofia at 12:20 am on May 7, 2012
  4. Definately worked for us. Insurance bill went from $307 to $231 for 2 cars. Not a huge drop in savings – but I’ll take it. One car got a 30% and the pickup got a 21%.

    Chad at 7:42 am on May 12, 2012
  5. Please beware that what is not mentioned is that this device may cause an internal computer failure. this happened only a few weeks after plugging it into my 2005 Honda Civic LX. now, instead of saving me money, i have to pay $900 out of pocket to replace my car’s computer and file a claim with progressive to (hopefully) repay me for the repairs. the technicians i spoke to say this has happened many times and would not recommend using the device.

    Angela at 9:42 am on May 15, 2012
  6. I got one last week and went out drinking and hit a bunch of cars on the way home. Like about 7 of them. I hit all of them on the passengers side. I reported the car got hit in the parking lot and went to the estimator, and the guy was all like-”Dude- how did seven different colored cars hit you?’ and I was like-”the car is hard to see-it is beige”…He said that he had never seen anyone get hit more than twice, ever, and I told him thats how I roll…I am still waiting to hear from them..Do you think the snapshot thingee will bust me out?

    Sheddy Draws at 4:48 pm on June 5, 2012
  7. What this thing considers “smooth braking” is a bit unrealistic. If you drive in the city, good luck.

    houbc at 4:50 pm on June 21, 2012
  8. Angela, I think your drivers license should be revoked. I doubt the device could help in your case, since it would probably be inactive due to some accident you will have. Stay off the road, particularly if you happen to live in the area where me and my family live. I live in South Louisiana.

    Ashley at 3:33 pm on July 31, 2012
  9. Above comment was to Sheddy Draws not Angela, just noticed the error. Sorry Angela.

    Ashley at 3:34 pm on July 31, 2012
  10. One word to use to describe the Progressive Snapshot Program. “SCAM”
    I signed up for the program 6 months ago my monthly premium was
    $115.00 per month I had “few” hard brakes in this period. After the first month they gave me about 10% off bringing my payment to around $100.00 per month.
    After the 6 months they told me I was getting a 22% discount yet my new payment was now $111.00 about a $4 difference. What happened to the 22% discount??
    When I called them they told me that my rate for the next 6 month cycle was raised and my rate would have been a lot higher without the new discount. I was expecting to bring down my monthly payments to around $90 yet I’m only slightly better off. Boy do I feel like a SUCKER. I’m not even going to get into the hard brake aspect of this program ok here’s one I was at a light one day at a total standstill, I stretched and put my brake foot all the way down on the brake petal then heard the Snapshot device go off telling me I just made a hard brake.
    When I called them about this they gave me some lame excuse and basically told me there was nothing that could be done about it.
    I’m now looking for another Insurance Company.

    qman at 9:47 am on August 22, 2012
  11. I’m a safe driver, never been in an accident, never been issued a ticket. After 6 months of using Snapshot, I received a letter saying “…we cannot offer a Snapshot discount for the following reasons: Did not qualify for discount.” What? Yes, I drive late at night and during rush hour. Working as a private caregiver means my shifts start and end at all times of day or night, but really? If my rates had stayed the same, things would be fine, but I don’t appreciate the $30 extra they’re asking me to pay each month. They assured me beforehand that it wouldn’t raise my rates if I didn’t get in an accident, but they did anyway. It’s just poor business to lie about it upfront.

    Tam at 11:46 am on September 21, 2012
  12. The Snapshot device is a pain in the butt.I suppose if you live in a town without traffic lights/other cars/bicycles/people walking in front of you/ it might be OK.If you can coast to every stop that would be great,heaven forbid a light change or someone stop or walk in front of you.

    Daniel Aplet at 4:04 pm on October 29, 2012
  13. Do not get snapshot!! I signed up to get snapshot, plugged it into my car and when I went to drive my car would not start. I have a 2006 ford focus and have never had any issues with it not starting until snapshot! I have tired to charge my battery and everything but it will not hold a charge. So I guess I will probably be needed a new one, so much for saving money.

    Lindsay at 7:26 am on October 30, 2012
  14. WAKE UP PEOPLE! Snapshot is the beginning of the insurance industry becoming the Big Brother that will be spying on your driving behavior every minute that you drive for the rest of your life! Do you really want your driving to be monitored every minute? Do you want the record of the constant spying on your driving to be used against you in a court of law? Do you want to be denied insurance coverage and/or have your insurance rates raised because you made a mistake in your driving, or you were speeding, or whatever? If enough people are willing to accept constant spying, monitoring, and recording every minute of their driving, then those who don’t want to have Big Brother spying on their driving every minute will be either be forced to be incredibly high insurance rates (much higher than those who agree to be spied on) or perhaps be denied insurance altogether. Which, in states where auto insurance is mandatory, means that people who don’t want their driving to be constantly monitored, won’t be allowed to drive at all!!

    If most of the US population refuses to submit to this driving monitoring, then the insurance companies won’t be able to force it on us. SO, PLEASE – US CITIZENS WHO LOVE FREEDOM, AND HATE TO BE SPIED ON – REFUSE TO USE PROGRESSIVE’S SNAPSHOT AND ALL OTHER SUCH INSURANCE COMPANY SPYING DEVICES!!!

    K Baker at 2:09 am on November 2, 2012
  15. I signed up for this in September, and plugged in the device in October. I received a $193 refund from the $916 premium I had paid for six months. It seems like a very good deal, considering my rate through Progressive was already about 15% less than with any other major insurance company.

    Melissa at 9:15 pm on November 4, 2012
  16. I save 14%, glad i took the chance……track my driving i don’t care. That’s money I can surely do something else with….ch-ching!

    R Mac at 7:32 am on December 13, 2012
  17. What a garbage program. I quit it after 7 days.
    I drive a 5 speed and hardly use my brakes at all. I downshift until I have to use the brakes. I was averaging 1 hard brake a minute driving in city traffic in a hilly area. I took a 5 mile trip with 2 stops and got 5 hard brake incidents when I never came close to any other car and I was trying not to get a hard brake incident. It seems stopping to park, at the pump or in my driveway was considered hard brake incidents.
    By Progressives standards if you are going 36 mph and stop in 5 sec’s you incur a hard brake incident because you HAVE to have at least 1 sec where you slowed down more than 7mph/sec.
    In my opinion Progressive has no intention of giving discounts and is using this device to gather information that will be used for other than stated purposes.

    George Sperry at 6:39 am on December 19, 2012
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    Medical insurance for individuals at 5:24 pm on January 16, 2013
  19. Be cautious! I started using snapshot a little less than a month ago..in the last two days I have had to have my car jumped 3 times. I have a 2006 mazda 3. I went to have my battery and alternator checked and both are fine. My battery is less than 2 yrs old and I have never had any issues until yesterday. I called Progressive and filed a claim and they made me feel like I was the only person who has had an issue. After taking a look online, I see several people have had this same issue. I will be unplugging it today and will see if that helps! Just a heads up!

    Amanda at 7:48 am on February 14, 2013
  20. i plugged my snapshot in on october 13th, 2012 and got the initial 25% discount. today February 21st, 2013 i got an email stating that my policy had changed and or payment schedule and to check my online account. it stated at the top of my policy “Thank you for participating in the Snapshot Program. It’s time to return the device for your 2007 Kia Optima. Please return the device by 04/07/2013 to avoid a $50.00 charge. See your Snapshot Program page for details.”. i then click on my policy activity and it stated that from the original 6 month fee of $1,115 that i will now only be paying $781, i got the full 30% discount! and if i choose to pay in full that there is another $99 discount bringing my total 6 month premium to only $682, that’s $433 of saving for only 6 months. if you have a high premium seriously put some thought into the snapshot program it can save you quite a bit of money

    kiah at 12:13 am on February 22, 2013
  21. i saved 27 percent, decreasing from 530 to 300$.

    a at 12:30 pm on March 3, 2013
  22. Progressive increases your rate, but tell you it is ‘a rate increase across the state’ when asking a friend that has progressive and their rate didn’t increase whom should I believe? I’m glad they removed tech fee as I did it under the my rate program, this new snapshot tells you how bad of a program, they had to change the name. I left progressive because of this and will never return. Progressive has no idea why you braked, the fact that you slowed greater than 7mph in one second is a hard brake, this is not crap goes flying speeds, many wouldn’t believe how difficult it is to come to a stop slower so it does trigger a hard brake. Say you are going 25mph you would have to take 36 feet to come to a complete stop in more tha 3.3 seconds and that is coming close to a hard brake by deaccelerating at 8mph per second. It is a scam to gather your data and sell it to other insurance companies as a basis for rate review. Not to mention it can damage your vehicle ESP. If you have onstar, check out others comments online. More at autosavant and dslreports. I can’t believe how many people also had their rates increase and told ‘state mandated increases’ sounds like a lawsuit waiting, sign me up.

    Bull at 5:25 pm on April 9, 2013
  23. I am currently at the Honda dealership having my battery replaced since the Progressive Snapshot drained my battery. On numerous occasions this past week, I have required a jump-start because my battery was completey dead. When I brought my car into the dealership, the service department told me that they have been replacing batteries nonstop for customers who have the Snapshot plugged into their car. Thankfully, my battery is under warranty, so I will not have to spend any money on the new battery. But, I am highly disappointed with Progressive, and aggravated over the large amount of wasted time spent getting a jump-start for the battery.

    caren levine at 10:28 am on April 24, 2013
  24. I purchased a 6 month policy for my 2005 Audi about 5 months ago. The premium was a great deal, and I was estimated to receive a 28% discount. I have a 100% clean driving record. I drive under a mile per day to work (if I even drive). So I am a good candidate for the program.

    About 6 weeks ago, the device started malfunctioning. It was registering hard brakes multiple times per trip when I was accelerating and even when I was hardly moving at all. I would slow down as slow as possible to a stop and it would go off. I spoke with customer service several times and nobody ever helped.

    My final discount is 6%. I have a month before my policy expires and if they can’t improve this discount because of their faulty device, I will drop progressive immediately.

    Troy at 11:05 am on May 8, 2013
  25. I just got a 2013 jeep wrangler 6 speed, I’m paying 237 a month and I want to know before I plug it in if when downshifting with out even hitting the brakes that it registers a hard break? I woul a assume a hard break is if you slam on the brakes or you have to stop fast because someone might cut you off or not know how to put a turn signal on before stopping abruptly infront of you. I barely use my breaks I use my gears to slow down n then at 2 rpms in 1st I use my breaks will this be a hard break?!

    Johnell at 2:55 pm on May 23, 2013
  26. You will get a hard brake every time you decrease in speed 7mph a second. I have the device and trust me, you will get many hard brakes even when your not braking, you will get a hard brake for just stopping at the gas pump. I’ve had the device for about 7 days now and I’m returning the device back since I do a lot of city driving and on 95 when traffic is horrible and a lot of braking is needed. It isn’t worth being monitored for six month for a possibility of saving money. I hate thinking about this device thing EVERYTIME I press the brake. it makes me feel weird when I’m driving, knowing I’m being monitored of my speed, time of day I’m driving, my braking. For all I know there’s a mic on that thing so they can listen to my conversations in the car. Creeps me out. Boxed up today and being shipped back today.

    Josh at 9:14 am on May 31, 2013

    Alex A at 7:44 am on June 23, 2013
  28. for all ya who aint a believer!!and those who talk wO trying
    i have to admit IT WORKS!!!it took over the 30days but from $321 a month to $192 a month (40%) off
    this how it works:
    reads your daily mileage(30+ can hurt you)
    reads your total hard breaks,meaning hard breaks or reduceing speed less than 10mph in 7sec
    reads your time driving(after 12am is high risk,meaning avoid driving after 12am)
    reads how fast and slow you go(but it realy dont hurt you)
    reads how many times you turn on and off your car(try to keep car on if you can)
    reads total of time your car has been on(it wont be used against you)

    i have full coverage $321 a month
    after 30days of having it on(almost 45days)
    i recieved discount of exactly %40 now its $192

    i never believed in this crap till i tried it

    its all in how u drive
    ((average 20miles a day,2-5hard breaks a week,&barely drove after 12am))

    joz at 10:04 pm on July 11, 2013
  29. After reading this review and the comments from everyone, I’m frustrated after the first week of using the Progressive Dongle in my Toyota. Qman commented about pressing hard on the brake while at a complete standstill and having it register as a hard brake. Wow, I’ve gotta try that and sacrifice a “hard brake” just to see if that’s the case. That’s not measuring g-forces at all.

    My concern is that since every stop sign and redlight I come to registers as a hard brake, it encourages me and others to make rolling stops or ignore yellow and “pink” lights which is actually more dangerous than coming to a complete stop and braking the way that I’ve safely driven for the past 30 years.

    If you are worried about Big Brother and spying from Snapshot, don’t… Do you have a smart phone? It has a GPS to track where you are. It has a microphone to listen to you. It has a camera to watch you. And it’s a fashion statement that everyone goes nuts for every year when the new model comes out. You’ve got bigger problems than a plastic dongle that drains your car battery. :)

    Bill at 11:33 am on July 12, 2013
  30. The snapshot device killed my 6 month old battery. Had alternator tested, it is just fine. Progressive gave me a claim number and says they will reimburse me for the battery. Of course I yanked the device and I do not recommend using it.

    Spike at 5:57 pm on July 18, 2013
  31. Wow i cant believe all negative comments! Some of you probably need to research the criteria first off..next the whole braking thing is all driver error. My girlfriend drove my car one day with it and registered 7 hard brakes on two trips. She was claiming the same thing as some of the other braking rants. I drove it for six months and had none! So I came to the conclusion that 90% of the rants about the device is operator error. My bill was cut almost in half from $115 a month to $63. I agree with bill about the worried people thinking insurances are trying to spy on them lol..and i bet you all have computers, smartphones and tablets yet you worry about a insurance company knowing where you drive? Well I have to say is please do research before you try it. if you drive late dont do it…if you cant brake and keep safe distances don’t do it…and if you commute a lot of miles weekly don’t do it!

    mike at 11:14 pm on August 15, 2013
  32. I have a company car and hardly drive my personal vehicle… less than 3,000 miles/year. My personal vehicle is for personal use only and no commuting or business use. I have driven for over 30 years without one at-fault collision (the only collisions I was in occurred when I was hit from behind while stopped at a red light – 100% no fault on my part), have no traffic citations, and no claims paid by my insurance company.

    My job has me working on projects in a variety of states. Although the state in which I am a resident has some of the lowest insurance rates in the country, I am currently working in a state with some of the highest insurance rates. The insurance company I am currently with does not have any problem with my unique work-residence situation.

    Whenever my auto insurance policy comes up for renewal, I call a number of other companies to shop for the best rate and coverage. The Progressive sales person with whom I spoke suggested that I try the Snap Shot program since I use my personal vehicle so little. I gave the sales person the information for my residence in the state where my vehicle is registered (the state with the lower rates). Even though my personal vehicle is legally registered in the state of my residence, Progressive used my temporary address in the state in which I am currently working WITHOUT TELLING ME.

    At the end of the 30 days, I checked my account on Progressive’s website. Progressive showed no hard braking, no fast accelerations, and very low miles traveled (less than 25) in the duration of the Snap Shot process. Progressive claimed I would receive a 30% discount. Yet, the price it quoted was more than twice what I am currently paying. That’s when I found out that Progressive was using my temporary work address (in the state with the higher rates). Progressive sales department refused to provide a quote for rates based on the state where my vehicle is legally registered even though both states’ statutes require this and the mistake was made by its own employee. I escalated the matter to Progressive’s Executive Relations team. The Executive Relations team member with whom I spoke refused to override the sales department’s decision.
    The only way I can receive the discounted rate requires that I have the Snap Shot device on my vehicle 100% of the time. But I would not receive the discounted rate (if the new driving data even qualifies me) for the first 6 months of my policy. Progressive’s actions violate the consumer laws in the state where I am temporarily working and the state where I am a legal resident.

    I filed formal complaints with the Insurance Commissions in both states. My employer’s in-house legal counsel is filing a claim in court on my behalf. Every person who has been unlawfully deceived by Progressive representatives should file formal complaints with their state’s Insurance Commission. Progressive will continue to illegally deceive and overcharge consumers until enough complaints are filed that the Insurance Commissions force it to change its policies.

    Harley at 11:44 am on September 9, 2013
  33. The settings for hard breaking are completely unsuitable and potentially dangerous for city driving. I am a safe driver. I have never had an accident! Yet I am getting quite a few hard breaks in situations which are completely normal for city driving. For example I am going the speed limit and I break for a yellow light. It beeps at me. In my case that is the most common cause of my “hard breaking”. I am sure Progressive would rather I run the through the yellow light??? I fear it is a potentially dangerous device as it will encourage people to roll through stop signs and yellow lights. It is way way too sensitive for city driving!!!!

    Janet Smith at 7:35 am on September 10, 2013
  34. I started using Progressive SnapShot about two months ago, in the past week I’ve had my battery die on me twice. Today a jump wouldn’t even get it started. I also feel that the hard break thing is a crock. About two weeks ago I had a yellow light pop up and when I stopped the stupid thing beeped at me; then I came to the next light and a yellow light popped up again and I felt the need to run as not to have the device beep at me. Every time it beeps I feel it screaming bad driver. But I also feel is a crock for the simple fact that I had days where it didn’t beeped at all and I hadn’t had a hard stop and it claimed I did.

    Elizabeth at 4:01 pm on September 11, 2013
  35. This this makes me want to chuck it out the window! The “hard-breaking” beep is totally unrealistic. I think I’ll start running all those yellow lights now instead of trying to stop at them. It has registered 7 to 8 hard breaks for me when I’ve never heard more than 4 in one day. I only drive my son to school 3 miles away and they put it under “rush hour” and have me at a medium risk. I think it causes more stress than savings.

    Diane H at 4:06 pm on September 19, 2013
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  39. I owned a GPS system that would alert me when I was speeding. Even though they say this progressive unit isnt monitoring your speed I wouldnt be surprised to find out later they can in fact monitor more aspects of your driving. bad deal.

    Troy at 12:39 pm on November 16, 2013
  40. There are other articles documenting a discount, then a rate increase for no reason. When people ask why their rate went up, they’re given some fluff excuse.

    Also, a hard brake is defined as each second you are pressing the brake pedal as the car is slowing down faster than 7 mph / sec. Let’s say you’re traveling 50 mph and the light suddenly changes. You push on the brake pedal and come to a stop. It took you 5 seconds to do this. Guess what? You just got 5 hard brakes.

    So in reality, it would be better to smash on your brakes and come to a quick stop, rather than drag it out slowly.

    I’ve written my insurance agent complaining about how hard brakes are calculated. And I’ll be looking for an initial discount with a raise in rates for no reason. If that’s the case, I’ll find a new company.

    Robert at 11:24 am on November 26, 2013
  41. I just completed my snapshot program and am proud to say I received the full 30% discount. I have a 2008 mustang and drive an average of 80 miles a day Monday through Friday (during rush hour times) to and from work. I also drive a lot on the weekends. After 5 months I received a notice stating to return the device and I got full discount. As for hard brakes…. I have had a few…. Not many (less than 10) that were mainly gathered at this one darn light that gets me every time! After a while you forget the device is in there except for the beeping (which I actually miss now) when you start your car. I think it helps you actually…. By making you drive more safely especially when it comes to braking. In all honesty I appreciate the price break and am about to renew my policy and my rates did not go up…. They dropped. As for speed…. It does track it but does not punish you for it or I wouldn’t have received the full discount. I say give it a try. I loved it and am truly loving the discount. My insurance was high given it is a sports car and I have a clean record and am above the high risk age…. And this has dramatically dropped my costs. Like I said, if you drive smart you are fine. Give it a shot!

    Jeannie at 6:35 pm on November 26, 2013
  42. For everyone that is complaining about the hard brakes issue because you live in or commute to a city STOP COMPLAINING. Progressive already gives very reasonable rates(probably why you already have them) and if you live in or commute to a city it is inevitable that you will incur hard braking situations(pedestrians, being cut off, lots of lights). This is a DISCOUNT based on how/when you drive. Your current rate is based on the AVERAGE driving conditions of people in the US. If you drive in a city a lot you are 100% more likely to get in an accident then compared to someone in Iowa. This discount is biased to people who don’t drive a lot or drive in rural areas without lots of stop light etc. So for people who live in rural areas this discount if most effective. If you live in or commute to a city I’d probably suggest not to waste your time since hard brakes are inevitable in those driving conditions.

    Also to the people having battery problems. Older cars don’t shut off electricity to the outlets in your cars when you turn it off most likely. Try plugging a charger into your cigarette lighter when the car is off and if it works then your battery will lose its charge over time. I don’t have this issue with my current car but I have ran into similar situations with my other cars.

    Isham at 7:19 am on November 27, 2013
  43. Here is a con. I took the progressive challenge. Got a snapshot discount of 30% according to their feedback. Got the quote. Waited a couple of weeks before purchasing the policy. Instead of my 30% my initial was 20%. WTF?

    Before anyone comments that it was the driving in those couple of weeks, the device had been removed from my vehicle and boxed for return as soon as the test drive was over.

    I purchased the policy due to said discount. Can you say bait and switch. Called progressive for an explanation and felt as if i were treated rather stupidly and still dont feel as if i received a straight answer. The last answer being ‘Well, your rate is so low we just CAN’T discount you any more’. Again, WTF? So why advertise 30%, tell me I qualify for 30% and then arbitrarily assign a percentage? Was told that if my rate were higher they could discount more. I call BS and false advertising.

    I think I will be contacting my insurance commissioner after the holidays.

    Johnson at 9:46 am on December 21, 2013
  44. The hard brake sensor is too sensitive. I was recording hard brakes for stopping at yellow light while driving the speed limit, going over abrupt bumps leaving some parking lots, and cornering in some instances.

    Did not see a discount but we have low rates due to low vehicle use, our age, and lack of accidents or tickets.

    If the program only monitored mileage and time of day driving occurs I would say it’s a good program. The hard brake sensor needs to be turned off.

    Chas Caldwell at 3:29 pm on January 7, 2014
  45. My daughter and I are assign to the car Insurance we both have defenses driving certificate she a honor roll student we get all these discount. So now I said let me try the snap shot I read all the negativity people have said. If You listen to what everyone said you will never know for yourself.Anyway I try it I place the device on simple step the six month before my policy was up they gave me 27% at the end of the month. I was then instructed by e-mail to use it for the next six month which I did. Yes it those happen that you need to hit your brake hard lots of time but at the same time the more you drive the percentage gets smaller by the end of six month. I receive another 30% keep listening to all the negativity

    Francisco at 12:54 am on January 30, 2014
  46. I just went through my 6 months and boxed up my snapshot to send back. Was stoked I got an 11% discount on my renewal. :) Had something very strange occur I thought I should share.

    Received an email last Tuesday to mail my snap shot device back. Thursday morning my car would not start! The battery was at 8.2 volts. It was only six months old so I caught a ride and carried it to AutoZone. Was too low to test so they charged it. The battery tested fine.

    I put it back on my Taurus and an obnoxious clicking noise was coming from my diagnostic computer. I took the power cable off of the battery and called my tech. He came by Friday night and hooked the battery back up. The same noise began. He took the snap shot out of the computer and it magically stopped.

    As of Sunday, the car and battery are doing fine. WHAT’S UP WITH THAT????

    BTW, you only get up to a 30% discount on your premium. Some writers suggest you get “this” then “another” and “another.”

    I appreciate the discount. :)

    Greg G at 12:07 pm on February 23, 2014
  47. On our 2004 Corolla the Snapshot counts all sorts of things as “hard brakes” including acceleration from a side street onto a highway and stopping for a red or yellow light. On my older cars (1997 and 2000) I rarely get a signal. Clearly the Toyota is more sensitive. I’ve driven over 40 years with a pretty clean driving record (maybe a speeding ticket every seven years). I agree – keep the high risk hours and distance driven, but drop the hard brakes or redefine it, as it is overly sensitive.

    MadMarv at 5:58 pm on February 24, 2014
  48. “They who would give up essential Liberty, to purchase a little temporary [auto-insurance discount], deserve neither Liberty nor [auto-insurance discounts]”
    Ben Franklin, paraphrased.

    8o88y at 10:20 pm on April 9, 2014
  49. In short: Flo is the DEVIL!

    Just kidding. Here is my experience in a nutshell. I tried the Snapshot discount program, quoted at a 30 % discount. When policy was written only received 22%. Took and act of congress and a threat to go to the insurance commissioner to get the rate I was promised.

    I am a safe driver, clean driving record and only drive 5000 miles per year due to working at home.

    Fast forward to ongoing snapshot. Rate dropped to 22% due to allowing my son to drive my car first Month. 16 hard stops over a period of three days. I expected the hit. The kicker is that this percentage never increased over the remaining 4.75 months. With no hard stops, no high risk driving times and no excessive mileage. It is not uncommon for my car not to be driven for more than a week.

    Fast forward to renewal. With all considerations above, and the 22% discount! my rate increased by almost 50%. Yes I said 50! From 50.00 a month to 74.00.

    Contacting progressive resulted I’m the same BS ‘reevaluated rates in your state.’ I read that this was common practice with this company and was warned by my State Farm agent when I made the switch. Of course thinking it was all sour grapes I was stupid enough to participate and got screwed over like the majority.

    I did contact our insurance commissioner and I just happen to live in a state where insurance companies can do what they will. Here’s the kicker, when I told the representative, who the company was, she said she was not surprised and that this is common practice for them.

    That being said I guess my next stop will be the consumer protection agency as the lure of the snapshot discount sounds like the old bait and switch.

    This may be an old thread but people… Be WARNED. I was too stupid to read the writing on the wall. Especially when they tried to screw me out of the original discounted that had already been quoted.

    Duhbrat at 12:09 pm on May 28, 2014

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