McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, Progressive Snapshot can raise your rates due to poor driving habits, such as speeding and hard braking, when your policy renews. Roughly 20% of drivers see their auto insurance rates increase after using Snapshot, according to Progressive. Good drivers save an average of $231 per year by participating in Progressive Snapshot, however.
How to Reduce the Risk of Progressive Snapshot Raising Your Rate
- Limit rapid acceleration and braking
- Avoid driving between midnight and 4 a.m.
- Stay off your phone while driving
- Drive less overall (carpool if you can)
Key Things to Know About Progressive Snapshot
What is Progressive Snapshot?
Progressive Snapshot is a usage-based auto insurance program that rewards good driving with a policy discount.
What it monitors?
Snapshot monitors things like the time of day you drive, how much you drive, and sudden changes in your speed.
How to participate in Snapshot
To participate in Progressive’s Snapshot program, you must either download the mobile app or use a GPS device that plugs into the OBD-II port in your car.
Is there an initial discount?
In most states, new Progressive customers get an automatic discount just for participating in the Snapshot program, saving an average of $94. This discount expires when it’s time to renew your policy.
Where is Snapshot available?
Snapshot is available in all states except California. The sign-up discount is not available in Hawaii or New York.
You can sign up online or by calling an agent at 1-877-329-7283. Just note that if you ever decide to opt out of the Snapshot program, Progressive retains the driving data and analytics information it collects indefinitely.
To learn more, check out WalletHub’s full review of Progressive Snapshot.
People also ask
How can I lower my Progressive car insurance?
You can lower your Progressive car insurance costs by taking advantage of Progressive discounts, opting for a higher deductible, and reducing your coverage, among other things. Progressive considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.
How to Lower the Cost of Car Insurance from...
read full answer by Candace Baker, Car Insurance WriterHow much is the Progressive good driver discount?
Progressive's good-driver discount can save Snapshot customers an average of $231 per year. Progressive Snapshot tracks a driver's habits on the road, like their speeding, braking patterns, and phone use while driving, and calculates the discount on an individual basis.
Anybody can sign up for Snapshot and save if they drive safely, though high-risk driving can result in an increase in your premium. If you don't qualify for a good driver discount with Progressive, you...
read full answer by Candace Baker, Car Insurance WriterWhy did my Progressive rate go up?
Your Progressive car insurance rates may have gone up due to an auto accident, a traffic violation, an address change or a new vehicle being added to your policy. Other potential reasons why your Progressive premium went up include factors out of your control, such as increased claims in your ZIP code.
In addition, recent trends have driven up auto insurance costs across the board, not just for Progressive. For instance, inflation has increased...
read full answer by Candace Baker, Car Insurance WriterDid we answer your question?
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