Anybody have experience with progressive snapshot?

There's no way I'd ever get one of those. I enjoy driving too much.

quote:

---

I enjoy driving too much.

---

I think it was 3 months at the time. I had a second vehicle so I left the jeep parked most of the time unless I was only going short distances.

quote:

---

I already have 1 hard brake

---

quote:

---

How many hard brakes does it take to have a negative effect?

---

You're boned.

If only my bicycle had an obd port

Re: Hard Braking and Snapshot device:

Had the device on my truck for 6 months.

It is a bit trigger happy with the hard braking alert.

If travelling down Perkins Road in Baton Rouge (or a road with a similar speed limit with traffic lights sprinkled along it) at 45 mph, and a traffic light turns yellow just prior to arriving at the light, you're screwed unless you accelerate through the yellow light.

This ironically isn't considered a "safe" driving habit, though there is a Snapshot penalty for stopping for the light in that type of situation.

Without fail, the hard braking alert sounded under those circumstances.

Once while approaching at a low speed a RR track that didn't have a warning signal, I just barely tapped the brakes to make sure no train was approaching, and the hard braking alarm went off.

Again, my tapping the brakes to pause at the RR crossing is a safe driving habit, however with the Snapshot device in that situation, a penalty for "hard braking" was incurred.

I don't think the folks at Progressive are in any rush to lower your rates to a great degree, and maybe programmed the device difficult to "beat." That's just my opinion though.

I did save 15% on my insurance rate, which was better than nothing.

I asked and the average savings according to the representative was between 12 and 18 %. To get the max savings of 30 % you almost wouldn't be able to drive at all with the Snapshot device installed.

no way in hell am I voluntarily allowing an insurance company to gather information on my driving. It will be used against you first chance they get.

It most certainly can negatively affect your rate. At least in Louisiana it can.

I believe it to be the automotive equivalent to a health insurance company asking you to go get a "wellness check" using their approved doctor. "We promise it can't hurt, only help....until you try to file a claim in 3 years and we'll use our doctor's results over your own to deny your claim"

quote:

---

1.01 hard brakes per week

---

So you accelerated through yellow lights or did most of your driving on roads with no stop lights?

The representative that I spoke with once I received my results indicated that the hard braking was the thing that "gets most people" that use Snapshot.

He also said that while other factors such as mileage and the times during which you drive (driving during "high risk" hours somewhere between 12 a.m. and 5 a.m., I think) are considered, the factor that bears the most weight in Progressive's calculations is the hard braking.

I did mention that I had received hard braking penalties for stopping at yellow traffic lights under the conditions I described above instead of accelerating through the yellow light. I had actually started writing down the date and time of when such a hard braking indicator sounded. Didn't make any difference. He just said, "we do prefer that you stop instead of going through the yellow light." Oh well.

But like I said, 15% discount was better than no discount.

Just drive 10 mph and leave very early when you need to be somewhere.