Note: I do not carry Progressive Auto Insurance, am not a spokesperson for the company and have received no financial incentive for this post. Further, no automobiles, name-your-own-price tools or annoying Flo’s were injured in the creation of this post. Thank you.
After hearing a Progressive Insurance commercial for the one millionth time ( I might be exaggerating, but probably not), I was finally intrigued enough to do some research on this Snapshot Discount thingy they keep promoting to save me money.
Seriously folks, what kind of company really wants to save you money? Taking your money is how they make money. It’s like the government, but the IRS doesn’t have to advertise.
So after a thorough Google search, I found this review from a year ago–hey, I never promised you timely information. I never promised you anything, for that matter. But I digress.
According to this source, the way the Snapshot gizmo works is to track your miles, when you are driving, and how many “hard brakes” you do while driving. Now hasn’t that cleared everything up for you?
Time of day: The reason Progressive tracks what time of day you is simple: if you drive during peak hours for accidents, such as between midnight and 4 a.m., the likelihood you’ll get in an accident is much higher than if you drive during off-peak hours. If the majority of your driving is during less accident-prone hours, you may see a larger discount.
Miles driven: Many insurance companies ask drivers to supply this data, meaning that drivers track their own mileage and report that amount. Because Progressive tracks mileage digitally through the Snapshot device, the chance of an accident can be better predicted. The general idea is that the more miles you drive, the more likely you’ll get into an accident.
Hard brakes: A hard brake is when the car’s speed decreases at a rate greater than 7 mph per second. More hard brakes per day may indicate less cautious driving. Progressive will give higher discounts to drivers with fewer hard brakes.
The more miles you drive the more likely you’ll get into an accident? I have taken that logic one step further. The more time you spend on the road, the more likely you are to be in an accident. So go faster so that you get there faster. You’ll be off the road faster and less likely to get hit.
I still have no idea what that hard brake means. I run about 7 mph. I can stop in less than a second. That doesn’t sound like very much to me–in other words, I probably commit more hard brakes pulling into my garage than any discount they would allow. And is it really my fault if some idiot pulls out in front of me? Isn’t a hard brake better and more cost-effective for my insurance company than plowing into said idiot? I should be rewarded for that kind of attention and reflexes.
Is it really worth a few bucks for someone I don’t know, in an office somewhere I don’t go, to know how often I am in my car, when I’m in my car, and how badly I might be driving?
Honestly, I thought the thing would track speed as well. Maybe it does and they don’t tell you that. Maybe they have GPS capabilities–and they don’t tell you that. They promise they won’t give out the information to anyone else, but how do we know that? Do I sound paranoid? Why are you reading this anyway? Who are you? How did you get here? I’m not paranoid, but I’m not sure I like the tone of your questions?
I also thought that with the way I drive, I’d probably not only not get a discount, but they would make me pay more. According to what I’ve read, that is not true. But you can’t believe everything you read on the Internet, except for this sentence of course.
And having that little transmitter in the car would kind of creep me out. It would be like having Flo sitting right there with me, riding shotgun.
So do you have a Snapshot thingy in your car, and have you seen up to 30% in savings?