You can save up to 47% initially with Progressive Snapshot and then are eligible for an additional discount depending on your driving habits. Progressive Snapshot monitors things like speeding and braking to determine how much a driver is eligible to save.
Considering that normal car insurance from Progressive costs an average of $54 per month, trying Progressive Snapshot may be an easy way for drivers to save on their premiums. But it should be noted that Progressive Snapshot will raise rates for poor driving, so less-than-perfect drivers may want to reconsider their driving habits before signing up for Snapshot from Progressive.
Yes. Progressive Snapshot can raise your rates, unlike the usage-based insurance programs offered by some other major auto insurance providers. Roughly 20% of drivers see their auto insurance rates increase after using Snapshot, according to Progressive. Good drivers save an average of $145 per year with Progressive Snapshot, however. Plus, in most states, new Progressive customers get an automatic discount just for participating in the Snapshot program (an average of $26), though the discount expires when it’s time to renew your policy. The sign up discount is not available in Alaska, California, Hawaii, North Carolina or New York.… read full answer
For those who aren’t familiar, Progressive Snapshot is a usage-based auto insurance program that uses telematics to monitor and analyze driving information, like the time of day, distance and a driver’s acceleration and deceleration habits. Progressive uses that data to personalize customers’ insurance rates based on their unique driving habits. 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 of your car, which is usually found under the steering wheel.
How to Reduce Your Risk of Progressive Snapshot Raising Your Rate:
Limit rapid acceleration and braking
Avoid driving between midnight and 4 a.m.
Avoid driving on weekends
Stay off your phone while driving
Drive less overall (carpool if you can)
Enrollment in the Progressive Snapshot program is free and available in all 50 states, as well as Washington D.C. You can sign up for it 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.
Your progressive insurance premiums went up for one of several reasons, such as filing a claim or getting a moving violation. However, it’s possible that your premium went up for reasons outside of your control, such as crime and accident trends where you live.
Your Progressive car insurance premium can even be affected by factors completely outside your control, like severe weather, economics, and crime and accident trends where you live. That’s because Progressive sets premiums based on how much they predict claims will cost, and increases rates when expenses are higher than expected. Many of the factors affecting your insurance premium are related to who you are and how you drive, but not all of them.
As medical costs rise, the cost of bodily injury claims goes up as well. When major storms hit, a sudden surge of claims are filed. These kinds of situations help to explain why Progressive may have to raise prices across the board, even for customers without recent changes. When the cost of providing coverage goes up, Progressive raises rates for everyone.
If your car insurance has gone up, you should definitely compare quotes from at least two or three other insurance companies to see if you could get a lower rate elsewhere.
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