Progressive Snapshot Program Can Increase Your Rate

Be very careful if you participate in the Progressive Snapshot program. Even if they claim your rate can't go up in their advertisements, you need to be careful because that's not true.

Category:

Autos & Vehicles

Tags:

• Progressive
• snapshot
• program
• rate
• insurance

[nero2077]

If you actually read the asterisk for Georgia, you'll find that you are charged $30 "technology expense" during each policy term that you participate in Snapshot -- that accounts for the 6% increase in your rate due to the Snapshot program. Since your driving didn't qualify you for a discount, end your participation in Snapshot and the $30 fee goes away. Poof.

[dial2fast]

@nero2077 Thanks for providing some insight into this. However as a consumer, I can only base on what I read in black and white. When you sign up, you are charged 'snapshot technology expense' of $28. My rate increase of 6% is not $28. On top of that, the customer rep I spoke to acknowledge that this is a rate increase and told me I will have to pay for the $28 on top if I continue. You may very well be correct, but nothing from Progressive has shown me otherwise. I appreciate your feedback.

[pawbiter]

I'm the only driver, with 2 similar sedans. After 30 days I got a 30% discount on one car but nothing on the other. A week later one car's battery died. The other car's battery died 2 weeks later. Coinidence? What do you think?

[dial2fast]

@pawbiter Thanks for sharing your experience. I wouldn't think the device would consume power at all times. The car's OBD port shouldn't be on when ignition is off. It's possible just a coincidence if your car battery is 4-5 years old and needing replacement. Also winter temperature is hard on batteries too.

[creativeplanetjanet]

Thank you for taking the time to make this video. I recently called Progressive to ask a question about my policy and was offered to try the Snapshot program. I agreed. It came in the mail the other day and it's still in the box. Now, I'm contemplating if I should just mark the box return to sender, and send it back.

[dial2fast]

@creativeplanetjanet The main thing you need to find out is the Snapshot Program can't raise your rate in the State you live. Once you confirm that then you can try out the Snapshot program.

[jephboy]

Pricing info is available here: progressive(d0t)com/myrate/how­-myrate-works(d0t)aspx

[jephboy]

@dial2fast

Looks like both (you get charged for using the device plus you may get charged extra if they don't like your driving). See terms below:

"This may result in a discount or, in some cases (in certain states), a surcharge. The Snapshot discount or surcharge does not apply to all coverages."

Then...

"In addition, a technology expense may be applied to your rate in some states, which includes the cost of the device and the amount we pay to have the data sent to us."

[jephboy]

@dial2fast

HAHA... I'm reading over all the legal mumble jumbo and here's what I found regarding the battery drain (verbatim):

The device uses a certain amount of current from the battery even when the vehicle is not turned on. Care should be taken in using the device in vehicles that have old or weak batteries, or that may go extended periods without being started.

[fostytou]

This is pretty shady. I've had my own very bad experience with progressive about a claim - but that is another story.

Do you mind if I ask what kind of car you drive? I'm kind of curious of what your there-abouts total rate might be.

Thanks for the video!

[fostytou]

@dial2fast Many newer cars keep the port on, and many cars have it powered but do not send data. The evo X for example keeps the port on for at least 15 minutes after shutoff and will turn it on again if any event happens (door unlock, door open, etc etc).

[schaakj]

This.

Is.

Fucking.

Creepy!!

[4gregman]

what?! you cant drive between midnight and early morning. 1:10 wtf i have to work am i to walk to work? why would you let them see how you drive anyway? this is dumb

[MrCagekicker]

why would you let you insurance company monitor you in the first place? those fucks dont need to know any more about you than you allow them. i think its disgusting and very big brother. soon it will be a requirement for all drivers to be constantly monitored and you lose your freedom even more.