Snapshot discount how many hard brakes

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Chat now to ask Flo anything or explore commonly asked questions. Get a quote. Jump to section:. What is Snapshot? How might Snapshot affect my rate? How is the mobile app experience different from the plug-in device experience? What information does Snapshot collect? When do I learn about my rate change? Can I opt out of Snapshot? How can I enroll in Snapshot?

Can I try out Snapshot before buying a policy? Does the mobile app limit my ability to use my phone while driving? Does the app have GPS?

Why does the mobile app need Wi-Fi? Is the mobile app a good fit for me? How does it work for multiple vehicles or drivers? Why can't I see the mobile app in the App Store? How long do I leave the app on my phone?

Can I switch to a device? What happens if I'm traveling internationally? Does the mobile app know who I am calling? How do I get the app on my phone? Does it cost anything? What do I do if I'm having trouble with registration? What if we share cars?

How do I decide which car to assign to which phone? Which settings are required to use the app on my phone? For best results, this setting must be enabled for the Snapshot Mobile app at all times.

Location Services: Location services are used to calculate driving behaviors such as hard braking, mileage, and may be used for underwriting purposes. For the app to work properly, Location Services must be enabled at all times. The app also uses Wi-Fi to more accurately determine when a trip begins and to complement the GPS location data. App Running: In order for the app to properly record safe driving, please do not delete or close the app.

It's okay for the app to be running in the background. Android The app should work on most Android phones without any special configuration. Upon installation, the app will request access to the following: Location: Location services are used to calculate driving behaviors such as hard braking, mileage, and may be used for underwriting purposes. Wi-Fi: The app uses Wi-Fi to send us your trip information. Modify or delete the contents of your SD card: Google Maps, used for displaying your trips in the app, requires this setting to cache map data.

We don't modify or delete any of your existing SD card content Read phone status and identity: Required to detect distraction-free driving. Does the app have to always be running in the background? How much data and battery does the app use? Do I have to turn on the app every time I get in my car? How does the app know if I'm driving? How can I see how I'm doing in the program? Why don't all of my trips appear?

What happens if my trip type is incorrect? What happens if I pause the app? I am a Progressive customer, but not a Snapshot customer.

Can I sign up for the mobile app? Can I try Snapshot again after I'm done? I drive a company car, delivery truck, police car, etc. Will the mobile app collect those trips? When do I get my Snapshot plug-in device? How do I know the device is working?

What if my device stops working? Why does my device beep when I drive? When do I return the device? What if I lose the device? Two ways to quote. Tons of ways to save. Enter ZIP Code. Bundle discount! What would you like to insure? Bundle Vehicle Property Personal See all. Classic Car. Golf Cart. Mexico Auto. Home Security. Home Warranty. Mobile Home. Electronic Device. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

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The information on this site does not modify any insurance policy terms in any way. Progressive Snapshot uses the technology of telematics to assess real-time feedback on your driving habits. Safe driving can save you money on your insurance premiums — but sloppy driving tendencies may cost you.

Snapshot monitors your driving and encourages safer practices, while providing you with the opportunity to earn discounts. Like many insurers, Progressive has jumped on the telematics bandwagon with Snapshot. This monitoring program uses either an app on your smartphone or a small device you plug into your car. It can determine if you are engaged in unsafe practices such as speeding or talking on the phone while driving. Once you have had an active Snapshot account for a certain period usually six months, the length of a typical usage-based insurance policy , the company will look at the data collected.

If you have proven yourself to be a safe driver, you will see a decrease in your premium. But the opposite can also be true. If your driving habits indicate that you are a higher insurance risk, Progressive may actually raise your rate. Signing up for Progressive Snapshot is easy. When you sign up for Snapshot , you will either download the Snapshot app, which works with both iOS and Android, or you will wait for the company to send you a small dongle that plugs into the OBD2 port on your car, which is usually located under the steering wheel.

Then, drive as you normally would. If the Snapshot device determines that you are doing anything unsafe, it will beep. The app and plug-in device use GPS technology to determine where you are and track how fast you are going. You retain some control of how much data is transmitted. For example, you can pause the monitoring system if you are going on vacation or if you are a passenger rather than a driver.

Logging into your Progressive account allows you to view the data collected, get driving tips and see details on any vehicle trips you have made. New Progressive policyholders can receive a participation discount for enrolling in the Snapshot program. A discount takes effect after completing the initial six-month monitoring period and renewing your policy for another six-month period.

It is important to note that because Progressive bases rates on driving data collected using the Snapshot app or plug-in device, your premium could actually increase if your driving habits are poor. Snapshot analyzes your driving habits to produce your driving reports. It also uses the data to resolve auto claims, as well as for underwriting assessments and development and research purposes. Before you make a decision on whether to allow Progressive to monitor your driving, it's important to think about how your driving relates to the specific aspects it monitors.

For example, if you drive often and most of your driving is in the city, you're probably going to have a more difficult time seeing significant discounts than someone who has a short commute on rural backroads. It is a nice feature that the plug-in device syncs with your phone so you can monitor your own habits.

By far, though, the biggest deterrent for those customers who wrote negative reviews about Progressive Snapshot was the way it penalized them for braking their vehicles. If you demonstrate hard braking while driving, the Progressive Snapshot plug-in device will beep to alert you of your hard braking.

This is designed to provide you immediate feedback on your driving and allow you to improve, and maximize your savings from Progressive Snapshot. If you repeatedly demonstrate hard braking while using Progressive Snapshot, it will minimize the discount you receive, or in some cases, lead to higher insurance rates.

One reviewer complained that they missed out on a Snapshot discount because of six speed bumps they had to go over on their commute.

It would go off even if I just tapped my brakes. A different reviewer warned others to stay away from Snapshot because of the hard braking penalties. Hard brake. If you are coming off the freeway and are slowing down. Someone cuts you off or drives into your lane too closely.

A recent reviewer expressed their frustration for a hard braking beep even at a time when they felt a hard brake was good driving. They said, "In my state every corner is an implicit crosswalk, and you're required to stop for pedestrians if they want to cross. Many people ignore this law but I've developed the habit of following it.

On the way home of my first trip with the snapshot device I came upon a woman pushing a double wide stroller presumably twins in it, waiting on corner ramp to cross a lesser 2 lane arterial in my neighborhood, so I stopped for her. Beep beep, said the snapshot device. Hard breaking -1!. Nothing like being penalized for following the law and doing the right thing to inspire confidence.

While these specific reviewers shared negative experiences using Snapshot, a majority expressed positive sentiments about Snapshot, and many said they saw savings on their next policy. While hard braking events do happen, common driving tips indicate it should be the exception rather than the rule.

Snapshot is designed to try to look for patterns as an objective, third-party resource. Some reviewers have expressed the fact that things like the beeping for hard braking have actually helped them become better drivers. This reviewer said "I am currently using the app to receive a discount, which has made me more aware of my driving.

If you're a Progressive policyholder or are looking to switch to Progressive, enrolling in this program is a great way to earn a lower personalized rate. Reviews of Progressive Snapshot on Clearsurance show some drivers have saved substantially on their auto insurance rates. Others said they saw hundreds of dollars of savings , and another said they received a discount of almost 30 percent. Another potential benefit that customers talk about is having their driving tracked actually made them a better driver.

I really think it helped me become a better driver. It's clear from reviews that the potential for lower car insurance rates by using the Snapshot Program is possible. But it's also clear that some do experience no change or even a rate increase. When deciding if trying Progressive Snapshot is worth it, it's important to analyze your driving record and your own driving habits to determine if you think you're a driver who would see savings.

You can also consider using this device to motivate you to be a safer driver. If you decide to enroll in the Snapshot program, Progressive says if you opt-out within the first 45 days, you'll lose your initial discount and any potential discounts from your driving, but you won't see a surcharge for opting out.

However, if you opt-out of the program after more than 45 days, you may see a surcharge at your next renewal. Of course, if you disenroll, you will need to return the device.