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SouthTiger504
LSU Fan
Member since Sep 2014
1163 posts

Anybody have experience with progressive snapshot?
Just recently got mine in the mail and have no idea what to avoid, just been trying to drive like a pawpaw.

if my report comes out good what should I expect for insurance rate savings?


Scooba
LSU Fan
Member since Jun 2013
17644 posts
 Online 

re: Anybody have experience with progressive snapshot?
Avoid driving after midnight.
Avoid excessive deceleration.

If it beeps, you're doing something wrong.
Don't let valet, or your wife drive.
That's about it.

ETA: You can track it online. I think I saved the max, 30%.
This post was edited on 9/16 at 1:55 pm


upgrayedd
Lamar Fan
Lifting at Tobin's house
Member since Mar 2013
97286 posts

re: Anybody have experience with progressive snapshot?
There's no way I'd ever get one of those. I enjoy driving too much.


Brosef Stalin
LSU Fan
Member since Dec 2011
31615 posts
 Online 

re: Anybody have experience with progressive snapshot?
Not worth the savings to have them spy on you


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78
Scooba
LSU Fan
Member since Jun 2013
17644 posts
 Online 

re: Anybody have experience with progressive snapshot?
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.


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SouthTiger504
LSU Fan
Member since Sep 2014
1163 posts

re: Anybody have experience with progressive snapshot?
I just went and checked it. I already have 1 hard brake but I don't remember having to slam on the brakes recently. How many hard brakes does it take to have a negative effect?


BottomlandBrew
LSU Fan
Member since Aug 2010
20218 posts
 Online 

re: Anybody have experience with progressive snapshot?
quote:

I already have 1 hard brake


quote:

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


You're boned.


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burdman
New Orleans Pelicans Fan
Louisiana
Member since Aug 2007
15264 posts

re: Anybody have experience with progressive snapshot?
Put it on your bicycle and save big bucks


SouthTiger504
LSU Fan
Member since Sep 2014
1163 posts

re: Anybody have experience with progressive snapshot?
If only my bicycle had an obd port


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iwasthere
UNO Fan
New Orleans
Member since Jul 2010
1787 posts

re: Anybody have experience with progressive snapshot?
I just recently did this. My final numbers are 4.11 hard brakes per week, 223 avg miles per week, and 2 minutes avg high risk time per week. I got 20% savings.


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Scooba
LSU Fan
Member since Jun 2013
17644 posts
 Online 

re: Anybody have experience with progressive snapshot?
According to Progressive, the snapshot cannot negatively affect your rates. You should be able to track on the site what your current discount would be as it currently stands.

1 hard brake is not going to affect you in the long run. The frequent long trips and late night driving will bring the % down if done consistently.


EffingTiger
Member since Nov 2015
333 posts

re: Anybody have experience with progressive snapshot?
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.
This post was edited on 9/16 at 4:56 pm


CajunAlum Tiger Fan
LSU Fan
The Great State of Louisiana
Member since Jan 2008
7193 posts

re: Anybody have experience with progressive snapshot?
Next time, just don't hard brake, ever. You'll show those bastards!



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Motorboat
LSU Fan
At the camp
Member since Oct 2007
19546 posts
 Online 

re: Anybody have experience with progressive snapshot?
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.


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30
Huck Finn
LSU Fan
Baton Rouge
Member since Jul 2009
1935 posts

re: Anybody have experience with progressive snapshot?
We just got them in the mail. It definitely can negatively affect your rate. However I'm in Texas so maybe their policies differ by state.


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igotit
LSU Fan
Member since May 2016
49 posts

re: Anybody have experience with progressive snapshot?
It most certainly can negatively affect your rate. At least in Louisiana it can.


tduecen
New York Yankees Fan
Member since Nov 2006
146616 posts

re: Anybody have experience with progressive snapshot?
1.01 hard breaks a week
167.8 miles driven a week
1 minutes and 37 seconds of high risk driving


SpeckledTiger
LSU Fan
Denham Springs
Member since Jul 2010
1239 posts

re: Anybody have experience with progressive snapshot?
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"


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BamaCoaster
LSU Fan
God's Gulf
Member since Apr 2016
2000 posts

re: Anybody have experience with progressive snapshot?
I sell it
It can negatively affect your rate (Safeco has one with a minimum of 5% savings..only one on the market that offers no penalty)
For some of my clients, I recommend it.
Others, I do not.

All about driving habits, miles driven, time driven, etc.

It counts a hard brake a decelerating at more than 10mph/second.


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EffingTiger
Member since Nov 2015
333 posts

re: Anybody have experience with progressive snapshot?
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.

This post was edited on 9/16 at 5:31 pm


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