Why do you think Progressive is pushing the 'snapshot' BS?
Insurance by nature is socialist.
So if we all pay $300 a month but only a few actually have claims, obviously the claim people are getting benefits paid by the non-claim people.
I think what they are trying to do is unwind a little bit of this by gathering data that supports trends and reliable predictions.
This way they can assign more cost to the predicted claim people and give the non-claim people a price break.
Just like in health insurance why smokers pay more than non-smokers.
The trouble is that the data can also be used against you at some point so if you do it, you had better be a very consistent and safe driver.