It's one thing to go years without an accident, but it's another thing to demonstrate safe driving habits each time you get behind the wheel. Whether you have a spotless record or a couple accidents, Snapshot gives you a chance to prove you deserve a lower rate now. Over the years, this style of insurance, known as usage-based insurance, has risen in popularity.
In fact, many of the biggest car insurance companies in the country offer some type of program similar to this one. But to this day, Snapshot remains the most well-known. So the question for Progressive customers, and those considering switching to Progressive, is if Progressive Snapshot is worth it? Unlike some of the other programs, this company will raise your rates if after the review it determines you are a risky driver.
We looked at hundreds of Progressive reviews from customers who have used Progressive Snapshot to see if policyholders have had a positive experience when they added this device to their policy. If you allow Progressive to track your driving with usage-based insurance programs, it monitors four main aspects of your driving on all of your trips:. If you're a driver who likes to step on the gas and slam on the brakes, Snapshot likely isn't for you. But keep in mind that what Progressive sees as hard braking may not align with what you think hard braking is.
Many customers complain that Progressive Snapshot penalizes them for stopping to avoid running a red light or for braking quickly to allow someone to come into their lane. City drivers especially need to be aware of this aspect of Progressive's monitoring. It looks at behaviors like acceleration, if you follow the posted speed limit, and more. Keep in mind, Progressive is looking for habits as opposed to one-off situations when identifying safe drivers.
Progressive has determined certain times of the day are riskier to drive than others. So, if your work hours require you to commute during high-risk hours, you'll likely be penalized by Progressive Snapshot. Night-time trips every so often won't have as significant of an impact.
Driving between midnight and 4 a. If you're a frequent late-night driver, Progressive Snapshot probably isn't right for you. Rush-hour commutes driving between 7 a. The more miles you drive, the more likely you are to be involved in an accident. For that reason, Progressive rewards drivers who are on the road less frequently. So if you don't drive a lot annually, Progressive Snapshot may be a perfect fit for you. You also have to consider what you reported when you first started with Progressive insurance when they asked for your mileage.
If you're receiving a low mileage discount but do more actual driving than you reported, you could lose that discount. That is one of the biggest pitfalls of insurance tracking programs.
The Progressive Snapshot app can detect when you use mobile phones during a driving trip. Avoid texting, making phone calls, and using your cell phone for any other reason. This is only tracked in some states and only for those who choose to use the Snapshot mobile app rather than the plug-in device. A majority of the more than reviews written on Clearsurance as of January involving an experience with Progressive Snapshot are positive.
Many customers say they received a cheaper rate at their next policy renewal, but as Progressive warns, some did see an increase in their rates.
Others saw little change to their rates and expressed frustration for feeling like the Snapshot program was a waste of time. The reviews tell us that Progressive Snapshot discounts really are based on how you drive. In essence, by enrolling in Snapshot for the duration of your policy period, you're betting on yourself that you're a great driver with great driving habits.
The good news is the app offers real-time feedback. So Snapshot drivers can identify driving behavior that might lead to higher rates and correct it. We're committed to keeping your driving information secure. Look for regular email updates showing your progress during the Snapshot program. You can also log in to your policy at any time to see how you're doing. When you have completed monitoring, you'll get an email with your Snapshot results and information on sending back the plug-in device or deleting the mobile app.
If you decide Snapshot isn't right for you, you can opt out at any time. If you received a Snapshot participation discount when you purchased your policy, you lose that discount when you opt out of the program. Additionally, in some states and situations, if you opt out more than 45 days after enrollment, you may receive a surcharge to your policy at the next renewal. Visit the details page to see specifics for your state.
You can enroll in the Snapshot program at the time you purchase your policy or by calling Progressive at If you don't want to switch your insurance to Progressive today, you can sign up for the Snapshot Road Test. It's a free trial that lets you see how much of a discount you could get with Progressive without having to change your auto insurer. Get more details about Snapshot Road Test. The mobile app will not impact your ability to use any of your phone's regular features while driving or otherwise.
The mobile app uses GPS to calculate your speed over time, mileage, and driving behaviors such as hard braking. Location data is used to provide trip information on the phone. It may also be used for underwriting purposes but is not used in determining your personalized rate. The app uses Wi-Fi to send us your trip information. The app also uses Wi-Fi to more accurately determine when a trip begins and to complement GPS location data. Also, if any drivers on your policy regularly drive vehicles not on the policy, the mobile program may not be a good fit.
Some examples of this include delivery drivers and people driving a company car. Each driver on the policy downloads the mobile app on their smartphone. In some states, during registration of the app, each driver chooses the vehicle that they drive most often and each smartphone will then be associated with a vehicle.
In other states, we average the driving data from all smartphones across all vehicles on the policy. In either case, the smartphone shows that driver's driving data and it doesn't matter if they sometimes drive a car on the policy other than the one associated with their phone.
If two drivers from the household are in a car together for example, husband and wife , the mobile app should be able to determine who is the driver and only collect trip data for that person. However, in the instance that the phone app registers the trip for both individuals, we provide the opportunity, in the app, to correct the trip information. If you cannot see the app in the App Store, it's because your phone isn't supported.
If you already signed up for the mobile program, please call us at to switch to the plug-in device. The app typically needs to remain on your phone through your first policy period. We'll contact you when you complete monitoring with instructions for deleting the app.
After monitoring is complete, the app no longer collects driving information. Yes, you can switch to a plug-in device by calling us at In some states, if you do choose to switch to the plug-in device, we will ask the other drivers on your policy to switch as well.
In addition to contacting your mobile carrier to discuss your plan and international implications, you should pause the app for the time period that you know you will be out of the country. Snapshot collects phone usage only while you're driving, and does not know who you're calling or otherwise contacting. The mobile app is available free of charge to Progressive Snapshot mobile customers.
Simply follow the link we provide you in your welcome email to download. From there, you can follow the instructions for registration. For people that download the app and are not Progressive Snapshot customers — you're not able to register and use the mobile app. In some states, the mobile app is only available for new customers at the time they purchase their policy.
If you live in one of those states, are a Progressive customer and would like to try Snapshot, you can call us or log in to enroll in Snapshot with a plug-in device. For people who are Snapshot customers using the mobile app — give us a call at for help with registration.
Sharing cars is fine. The program won't be affected if cars on the policy are shared among Snapshot participants. Each driver only sees their own driving data on their mobile phone. The app should work on most Android phones without any special configuration.
Upon installation, the app will request access to the following:. As long as the app is installed on your phone and your phone is on during trips, it collects your driving data unless it's paused.
The app uses very minimal data. Battery use is also low when not driving. When driving, the battery use is comparable to other driving and navigation apps.
If you take long car trips, we recommend charging the phone while driving. As long as the app is installed on your phone, and the phone is on, you don't need to do anything when you get in the car. The app detects the start of your trip and begins collecting information on its own.
The mobile app detects movement of a certain speed and distance to determine when a trip starts. No action is necessary on the part of the user. You can see driving reports and Snapshot performance in the mobile app.
You can also view performances for all vehicles and drivers on the policy by logging in to your account. What happens if I delete the app? We need to hear from your device regularly for your participation in the Snapshot program to continue. If we're not hearing from your app often enough, we'll send you an email with instructions to re-install the app or switch to a plug-in device to continue participation in the Snapshot program.
It's normal to occasionally notice that the app doesn't collect every trip or in some cases only captures part of a trip. There are certain situations — like low battery, sparse cell towers, etc.
If you find that this is happening on the majority of your trips, please call us at for assistance. If you notice that we miscategorized a trip, you have an opportunity in the app to correct it.
The app can be paused for up to two weeks at a time. An example of a reason that you might pause the app is traveling out of the country. If we determine that the app is being repeatedly paused and we are not collecting enough trip data, you'll need to switch to the plug-in device to keep the benefits of the program. In some states, the mobile app experience is only available for customers at the time they purchase their policy. If this is the case and you would like to try Snapshot, you can call us at or log in to participate in the Snapshot program with the plug-in device.
You can check out your Snapshot options by logging in to your policy or using our Progressive servicing app. Depending on your state, you may be able to participate using the mobile app or the plug-in device.
Not bad! Are you considering Allstate, too? Our team has had a great experience with them. You maintained an A with an avg 1 hard brake a week? Driven anywhere from miles a week. No late night driving. Car 2. Went to the park with kids onTuesday. Total scam. Cannot unplugged it more than 45 days in.
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