Spying for Savings: Progressive Snapshot

Note: at the bottom of the article is a link to our review of the Snapshot.

I have seen a large number of commercials recently for a new product from Progressive Insurance called Snapshot. Snapshot is a small device that you plug into the OBDII port of your car. Once plugged in, the Snapshot monitors your driving habits. Based on how carefully you drive you can qualify for up to a 30% discount on your auto insurance. Is this when we begin to slide down the slippery slope of allowing our driving habits to be remotely monitored 24/7? How much personal freedom are you willing to give up in order to save money on your insurance? Please read on and use the comments to debate whether this is the beginning of the end.

There are, or course, two sides to this story. The first is that you should be driving carefully, and that if you are you have nothing to worry about. Who cares about a large corporation knowing exactly how far and when you drive and how abruptly you accelerate and stop. This is the same argument that people use about giving up personal freedom to prevent things like terrorism. The “I’m not a terrorist, why should I worry about being stopped and searched” argument. The other side to the coin is that no one deserves to be looking over your shoulder and that in the US we live in a free country. I’m not planning to debate this argument here, but I would like to spend a little bit of time looking at whether this is a beginning of the loss of civil liberties behind the wheel. No longer is it a question of whether “Big Brother” can be watching.  He or she most certainly is.

In a world where you most likely have multiple GPS capable devices in your car and you also use RFID (Radio-Frequency Identification) tags in things like toll-road pay devices, it would be completely possible for federal and state governments to monitor your behaviors behind the wheel. Despite this ability, to date the only time this data is accessed and used is when there has been appropriate justification.  Despite rumors, people are not receiving speeding tickets for having too high of an average speed on toll roads.

If you’re a truck driver or driving a company owned vehicle, you are dealing with a different set of rules. I with some folks at Penske Logistics about this topic. Penske has the ability to monitor their drivers through RFID and even know which places they enjoy stopping to eat. By accepting a job with the company, you forfeit your anonymity behind the wheel, as the company claims the right to monitor their equipment and employees.

Of course, the Snapshot in a voluntary program with Progressive. In addition, Progressive promises not to raise your rates (unless you live in ) as a result of your driving habits. With that said, if enough people sign up could this be a first step towards this being a requirement for all of their policy holders? Quickly, lets review how the system works.

After being plugged into your car for 30 days you potentially start to receive a discount on your auto insurance of up to 30%. After the six months of driving with the device monitoring your car you send it back to Progressive. After this six month period Progressive no longer monitors your driving and your potential discount remains for the length of the policy. So far, I have not been able to find specifically what data the Snapshot captures, but similar tools are capable of capturing and reporting on a significant number of parameters. Some of these include:

  • Trip start date and time
  • Duration
  • Distance
  • Max speed
  • Time in different speed bands
  • Number of hard braking events
  • Number of extreme braking events (sometimes classified as accidents)
  • Number of hard acceleration events
  • Time spent at idle
  • Snapshots of speed at defined intervals

Progressive calls this policy a Pay As You Drive program a form of a usage-based insurance. They state that to get the greatest discount a driver needs to brake gently, drive less than the average driver, and minimize driving during rush hours and the time between midnight and 4:00 A.M.

Of note, Progressive isn’t the only company offering usage-based insurance.  GMAC partners with GM’s OnStar subsidiary to offer potential discounts .  State Farm , but at this stage, does not claim to report the results to the company, nor does it offer any kind of insurance discount for those who opt in.

So I would like to know. What are your thoughts on this type of technology and monitoring? Are you on the side of giving up some anonymity in order to save or would you like to keep government and large companies out of your personal behavior?  Have your say below in the comments.

Sources: ; ; ; ;

Editor’s note: For the one-year anniversary of this article, we requested a Snapshot from Progressive to see for ourselves how it worked.  Read our product review here.

Author: Kevin Gordon

Kevin is Autosavant's owner and Editor-in-Chief, responsible for setting the overall strategy and editorial direction of Autosavant. He's also the primary contributor to Autosavant's YouTube channel (youtube.com/autosavant) where you can find a comprehensive library of new-car reviews.

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  1. Well I have little knowledge about the module but I do have a lot of knowledge about what is done with data collected on you. That becomes a very marketable piece of information. The possibilities are endless. Your information could be shared with just about anyone. Your life insurance cost might mysterious go up. People might see you as a risk and not lend you money unless you buy insurance (yes that is illegal but so are a lot things), you could end up on some risk database that employers could pay to gain access too. What I am saying is you don’t know what happens to the information collect once it has been collected and how it may be used to sold.

    This is very scary information. Especially if you are involved in a serious accident and a smart lawyer sees that you have Progressive Insurance and asks if you have been involved in the snapshot program and request to see your driving record and maybe sees a history of your bad driving habits.

  2. It was a horrible expeirence for me personally. I was very gald to get rid of the snapshot.
    I am a driver who doesn’t have a single ticket in 20 years of driving and I had no accidents other than being rear-ended twice by people on the phone while waiting at a light.
    I drive in heavy traffic, on a highway in rush hour at 85mph 20 miles each way. There are enough crazy people around that you simply cannot break at less than 7mph. The other thing is the red lights – when you are on 50mph road and orange light is only 2 sec you don’t have enough time to stop. So, you have to decide – do you break hard or do you run the light.
    If anything, the snapshot was making me an unsafe driver because I was trying to keep a lot of distance in front of me on a highway but then people would constantly get in front of me and cut me off.
    If you drive in rush hour conditions, snapshot doesn’t work.

  3. I agree 150%. Getting cut off is a common occurrence almost every morning during the 2 feed in lanes on 295. now every morning is another challenge to not brake hard due to others feeding in & cutting you off & your reaction is to brake so as not to get hit. Defensive driving is all you can do & you should get points for avoiding wrecks at every turn yet I don’t think the device would see what is really happening & rarely is there a discount for safe defensive driving!

  4. Have to agree with above comments. Despite being an old fart driving an old Volvo, my daily commute involves red lights and drivers braking without signalling that constantly sets this intrusive device off. I can’t see running lights or failing to brake when presented with a hazard during inner city driving as a reasonable alternative.

  5. I haven’t read all of the comments — but I can tell you that after 15 days of driving in Phoenix– I’m returning this if only for TWO reasons:

    Yes, I now question at almost every light, do I speed up to make the green or yellow light or do I hard break which might also mean someone will rear end me because they were also speeding up. Progressive needs to re-evaluate exactly WHAT a “hard break” is. I’ve also noticed that if I’m just driving in a mall or grocery store parking lots — at 10/15 miles per hour, that I get the most hard breaks due to people pulling out of spaces without looking or blind turns.

    The “9’clock pm” as a danger rate is also driving me crazy! In Phoenix, you go to the dog park or street fairs after 8pm — and in the dead of summer — after 9pm when the temp drops down. Driving 1/4 of a mile to the dog park before or after 9pm means I’m a dangerous driver?

    Clearly, this devise needs to be “localized.” Having also lived in Boston, I can tell you that a “hard break” is more telling in Boston where people drive bumper-to-bumper than in Phoenix where you go 45/50 mph and have a red light every mile.

  6. I love the snapshot!! i have saved over 200 bucks so far. I guess its easy for me because i drive less then 30 miles a week. Stop working for the man and you wont have to drive in rush hour traffic.

  7. The criteria of the device are not a secret, you could call and ask Progressive and they would tell you. It monitors the amount of hard stops that you make which is decelerating by MORE than 7 mph in A SECOND, it is monitoring the distance you drive to ensure that you’re not doing greater than roughly 30 mi a day on average and it looks to ensure that you’re not driving between 12 am and 4 am (high risk times). Any of this information is easily accessible through that very same port to anyone that into it. Has anyone actually read into the program, or did you all just hear the word “save?” If you are driving 85 mph on the highway, clearly this program is not for you. If you make a lot of hard stops, again, this program is not for you. Progressive basically said “If you think you’re a better driver than we say you are, prove it.” Unfortunately, many people are exactly as at risk as their policy assumes. If you are driving 85 and you get into an accident, who is responsible for that? How much do you think replacing a vehicle would be and the hospital bills for everyone and repairing your own vehicle? Probably a lot more than you pay for 6 months. No one forces you to enroll in the program, it is of your own free will and it is free. They spell it all out for you in the terms and conditions you have to agree to to get the device. Are we really acting surprised? Are we really upset because we brake hard every 6 seconds and try to run and beat red lights? Why are you driving so fast in a crowded parking lot thy you would NEED to stop faster than 7 mph…lots are usually 10 mph!! This is the most ridiculous thing! If you’re doin that, YOU ARE HIGH RISK. Don say you’re disappointed with the program, you’re disappointed that you can’t drive like an idiot and save money.

  8. The problem with this type of monitoring (and with the previous comment) is that the details they monitor do not by them selves make you high risk. What matters is how attentive and well prepared you are when you drive, and if you speed, braking, etc are appropriate for the situation.

    As a personal example, I drive 60 miles each way to work, often in rush hour traffic. I also routinely drive fast, accelerate and break hard when it is safe and appropriate to do so.
    But I’ve had a lot of advanced driver training, and am an advanced driving instructor for the BMW car club. I teach skid avoidance and recovery, threshold breaking, emergency lane change and other real world accident prevention techniques, often to teenagers in an attempt to keep them alive (see StreetSurvival.org).

    I have not had an accident in 31 years.

    Which is a better indicator of how likely I am to have a claim, my record of no accidents or the fact that I push my car sometimes ?

    Dangerous activities are things like inattentivness, speeding in inappropriate places (e.g. residential streets), driving at a speed significantly different speed than surounding traffic (faster OR slower), tailgating, doing unexpected things (not using blinkers, passing on the right, etc), and scores of others. If we could measuring THAT kind of thing, I’d be all for it.

    While I’m at it, how about insurance companies take into account driver training ? I’m not talking classroom teaching, but actual driving practice. Doesn’t it make sense that people who have learned to recognize and recover froma skid (in an actual car), who know how to break hard when they need to or who have practiced avoiding a problem that suddently appears in front of them would be a safer driver than one who has not ? Why do they refuse to lower rates for people who activly work to improve their driving skills, but are glad to increase rates if they think you drive “too fast” or break “too hard”?

    As it is now, this kind of monitoring rewards and penalizes the wrong people.

  9. “Stop working for the man and you wont have to drive in rush hour traffic.”

    Spoken like a true, moronic, mommy’s-basement-dwelling idiot.

  10. Zowie, nearly as brilliant as Geico’s radar detector grab in the 70’s.

  11. I’m currently using the snapshot and I hate it, I am currently getting a 17% discount but it’s not easy. First of all I’m a truck driver and only use my jeep on weekends and sometimes every other weekend and only live 20 miles from my company terminal to home. But on that trip home from work is a highway with traffic lights with a 55 mph speed limit so I am dealt with the decision to either record a hard braking or run the light. I haven’t had any kind of traffic ticket in many years and am not going to risk getting a red light ticket just to satisfy a bunch of pencil pushing morons. For someone who drives daily on a normal commute to and from work this device will only classify you as an unsafe driver, “as far as progressive is concerned anyway”. For someone like in my case who drives very little then yes money can be saved.

  12. I’ve had my Snapshot device plugged into my 2002 Lancer since 10/5/12. It beeps all the time. I looked up my Snapshot trip log online and it was a joke. For one 53 mile trip it calculated I applied a hard brake 20 times! That averages out that for every 2.82 miles I traveled a hard brake was applied. I live in a very rural area: No bumper-to-bumper traffic, no traffic signals, one stop sign. I had driven to a nearby town, but at least 30 miles of the 53 mile trip was on rural roads . . . virtually no reason to stop at all. Early on I ended up taking my car to a garage because the Snapshot was going off so often I thought my brake pads, rotors, etc. needed to be replaced. The mechanic told me nothing needed to be changed, that all was well. I’m ready to throw it out the window!

  13. The Snapshot device is a pain in the butt.I suppose if you live in a town without traffic lights/other cars/bicycles/people walking in front of you/ it might be OK.If you can coast to every stop that would be great,heaven forbid a light change or someone stop or walk in front of you.

  14. This is just an excuse to raise your insurance, the device obviously is flawed and does not work properly. According to almost all of the comments that I have read, The device is constantly giving incorrect data. It tells you that you apply the brakes when you don’t, registers reckless driving when you need to swerve for unforeseen circumstances and of the occasion that you drive into a lower speed zone and it registers you as a speeder. This information will be stored in a database, potentially used against you later in life with other insurance companies… If you go along with their program. Imagine if you are involved in an accident and the courts demand this information on record with the insurance company. This information could be used against you and paint you as a driver who often speeds, breaks aromatically and swerves unnecessarily. This is just one small step in toward a society where big Brother is watching. Do not support this type small step in the infringement of your civil rights. I am not for ir against Progressive Insurance, but I do recognize change and have been around long enough to know when that change is a push in the direction of things to come. If you have it get rid of it, if you are thinking of getting snapshot… Think again.

  15. They say the device doesn’t have a GPS tracking where you drive. If that is true, how do they know if you are speeding? How can they tell if you are speeding if they don’t know the speed limit of the road on which you are driving?

  16. I am testing the Snapshot right now – in about two or three weeks, I will report on what it’s like to use in detail. However, it does not have GPS and does not track whether you’re speeding. It tracks rapid accelerations (though they don’t count for/against a discount), hard brakes, miles driven, and # of trips between midnight and 4 am.

    I have been on basically my best behavior for the past two weeks, and am in line for a 0% discount. I really, really hate being monitored (it beeps at you if you have a hard brake, which is not a hard brake at all by a normal person’s definition), and I can’t wait for the 30 day trial to end. I would absolutely hate having it in my car for 6 more months if I were a customer.

  17. Horrible!! placing this device in the car I immediately could tell the driving was worse. attempting to get more braking distance when we thought it was needed made the driver weave in their lane and running the RED LIGHTS!! trying not to get the hard braking to get recorded and making turns at speed we normally wouldn’t trying to avoid the “beeps”. ALL WHICH WILL GET REAL TICKETS AND POINTS THAT EFFECT THE COMPANY. HIGH RISK DRIVING!!! 12-4am, I start WORK AT 4am I thought I was driving out of rush hour so that would be better….NOPE!… I’m…. HIGH RISK!! because I work early in the morning? Then I drive at the tail end of rush hour, that can’t be a good time to drive.WHEN IS A GOOD TIME TO DRIVE MY CAR? ….SORRY!!….to all the hippies who are upset at other customers who are not fond of this program .. My you all find happiness driving 2x a week staying under 30 miles and riding your bikes eating trail mixes and granola bars ….you people show real selfishness.

  18. I agree with Rick the driving instructor. Most people don’t know how to drive. They only know how to point the car down the road. If something out of the ordinary happens they only know one thing, slam on the brakes. Most of the time that’s the worst thing to do. Driving skill has never been a priority in this country. The test to qualify for a license is a joke. Watching people enter turns and always braking makes me laugh. Somebody told them to do that so they do even iof they could easily make the turn at a higher speed. I too have had advanced driver training in the form of racing schools and autocrossing. I am a better driver for it. Everybody should be forced to learn how to drive.

    The real hazards on the road are the “road monitors”. They think blocking traffic by holding everybody up behind them is a good thing because they are the safe ones. In reality they are causing a traffic jamb behind them with cars stacked up bumper to bumper. Those people almost never get cited for unsafe driving.

  19. I just learned that some auto makers have been putting “black boxes” in new cars since 1999. This is a violation of privacy. While it is said to be used to obtain information related to accidents, owners are not aware that their information is being stored. I do not believe that it is worth compromising my privacy for a minimal discount. When I share my driving information with insurance companies I am honest and forthright. I have nothing to hide BUT I do not want the government or any corporation watching over my sholder.

  20. Am I the only one who isn’t having an issue?

    I drive to work, stop at lights, get caught in post-work traffic, and still don’t have to smash the brakes. The only time I’ve hard braked was getting cut off. You know what the great thing is? If you drive sixty miles one way to work or go 85 on the freeway, or like to smash your brakes to do donuts in the grocery store parking lot, you don’t have to sign up for it. Problem solved.

  21. What is the matter with you people? This is a VOLUNTARY program. You don’t have to sign up for it. Not to mention, you can be the worlds worst driver and it does NOT increase your premium. Crappy driver, no discount and no rate increase. They are giving a discount for people that fall into parameters and driving characteristics that they believe will lead to fewer, or less severe accidents. It does NOT determine if you are speeding. How would it know that you are in a school zone or not, or if your doing 35 in a 25 zone or 45 zone? they don’t. Is it perfect? no. But why would you complain about not receiving a discount when you should have know when you signed up you probably didn’t qualify?
    It’s the equivalent of a minimum wage earner complaining that they couldn’t get an AMEX Black card.
    If you have a long commute, in stop and go traffic or commute between 12am-4am then you have a low liklihood of receiving of receiving a discount so don’t sign up for it.
    If you have a short commute, don’t smash the pedal to take off from a light or to stop for one, sign up and see what you can save.

  22. I came here to learn more about Snapshot, and I’m glad I did: I KNOW it’s not for me.

    I have several cars– two turbo fours and a V8. I spread the miles out between them, I live in a rural area, and I drive hard [as one tends to, when the nearest store is 20 miles away] but safely. I hit the occasional deer– very common here– but that’s it.

    But since I tend to drive 5 to 10 miles over the speed limit and do brake aggressively when I need to, I’m sure Progressive’s robot spy would claim I was unsafe, despite an excellent driving record. It seems to me they are punishing the wrong things– being passionate and proactive. One’s record of accidents and tickets should count more than average or maximum speeds.

  23. Taken from my experience in testing the Snapshot, you will NOT like it. You’re making the right choice by avoiding it.

  24. I have had the snapshot device for about a month, and like others have said, it is a VOLUNTARY program they offer to help you SAVE money, they specifically state that it will not increase your rates. I work 3:30PM to midnight, and I have hard braked 5 times in the last month, and my rates have decreased by 20%. I live in downtown Boise, I take the freeway to work, and I am able to avoid hard braking. I understand occasionally being cut off, but to hard brake approximately every 2.5 miles is ridiculous. You people are complaining about potentially free money, get a life!

  25. I am convinced that people think these devices monitor their speed at all times. This would explain the large numbers of drivers that constantly drive 5 to 10 mph UNDER the posted limits. In rush hour, or even moderate traffic, THIS creates unsafe situations and is ITSELF an unsafe driving practice. It causes other drivers to have to change lanes to avoid them and yes, many times those drivers cut off other drivers. I was taught in Driver’s Ed to “go with the flow” and maintain safe distances between you and the vehicle in front of you. NOT drive 10 mph below the speed limit, creating an unsafe situation, just to save a few bucks on car insurance.

  26. My device started going off at totally random about a month ago. It has registered a hard brake when I was accelerating out of my drive way, parking slowly at the grocery store, going through a fast food line at 5 mph… My device is clearly broken and they “can’t” do anything about it.

    In the past month, I only drove my car 110 miles and it registered 26 hard brakes. In the 4 previous months, I had 5 total brakes due to stopping for traffic lights. I have driven less miles this month than before too. Obviously the unit is malfunctioning…

    I’m going to talk to them one more time, and if they don’t improve my discount, I’m leaving Progressive immediately…

  27. Now that I’m 2 months into using it, I’ll definitely concur on most of the above comments.

    The 7mph deceleration trigger is f***ing absurd… as my major commute is down a 45mph road, with red light cameras, and 3 second amber light times. It isn’t hard to do the math to show that avoiding that 7mph/sec rate isn’t reasonably feasible, even if you are perfect at maintaining a uniform deceleration rate, and and are lucky enough to have 100+ feet between you and the next car in case they hard brake…

    To avoid the dreaded 3-beep sound from hard braking, I regularly:
    – run non-camera amber lights like nobody’s business (many turn red right after entering the intersection),
    – stop a few feet into some crosswalks – just to eek out a few more feet of space,
    – regularly swerve off into the emergency side lanes on highways,
    – regularly drive 15mph+ below speed limits to get enough space between me and the next car (slowing traffic),
    – watch the pedestrian countdown timers on all lights like a hawk,
    – turn right at lights I don’t need to turn right at (with yield turn lanes)
    – intently focus on my speedometer when braking, not on the road

    I’m down under 2 hard brakes per 100 miles so far, but have no idea if this is good/bad/ugly… Still, I mostly drive during “low risk” hours, and don’t do much mileage aside from a few occasional road trips, so I’m down more than 20%…

    I’ve been tempted to just get a rental car for my longer trips, as the payback on spending $150 to avoid 1500 miles is looking ok…

    The next 4 months are going to continue to be hell, but for 20% off my insurance ($150 perpetually), I’ll put up with it…

    Still, if someone can pass along what frequencies won’t hurt your rates, along with how much of the discount is at stake, I’d be very grateful, as I’d love to be able to drive & brake normally if it was only going to cost me a few bucks…

  28. I drive 25 miles of freeway daily with 3 mixmaster interchanges at 3pm to work and again at 2:30 am to return home.
    Armed with the experience of battling with the other commuters over the past 25 years, I laughed merrily as I shredded the letter from State Farm offering me a “snapshot” style device.

  29. I like the snap shot program. It makes me more contentious of my driving habits, which in turn saves me money and decreases my chances of getting into an accident. What’s not to like about that? Just think, if you didn’t have the device you wouldn’t be saving any money. Why would people complain about a program that saves you money… That’s bizarre.

    And as for the whole “spying on customers.” Really?! Chill out ya paranoid people. Progressive is not out ta get ya, ya freaks.

    For all you fools having a hard time following traffic laws and blaming snap shot for it… you all should revisit drivers ed. I mean no one’s a “perfect” driver… But getting mad at a monitoring device and blaming it for the way we drive is pretty pathetic. Chill out people and enjoy your savings.

  30. I have been using the Snapshot since Oct 2013. I was told orginally that it was a 30 day discount program. I called at the 30 day interval and they stated “no that you to keep it unitl your renewal period” which was April 2013. I called then to hopefully be able to get rid of this device. They then proceeded to tell that “well it could be longer than your renewal. if differs with each client.” . I have been given a 13% to 17% discount (can’t remember exactly) and would really like for this period to be OVER. The device is a pain and causes stress while driving. I am not fond of being told different dates to be able to be finshed with this program. Anyone have this exeprience? If so, how did you have to keep the device and still receive the discount promised?

  31. The comments here have been interesting, some enlightening, some informational, and some absurd! It has been a great read.

    I decided to check out Progressive because I fel GEICO was charging me way too much – $722 for 6mo, full comp/collision/liability; Progressive came in at $345 for the same thing. And, since the SNAPSHOT would not increase my rates, but offered a chance at some discounting, I decided “WTF” and got it. I love it! It has become a “Let’s see if I can get mo’ money outta Flo” game.

    The first thing I noticed, after having it in for the initial 30 days, was an increase in my gas mileage. About 4-5 mpg increase. (I drive a 2002 Honda Odyssey LX). In a vehicle that already gets great mileage, this was awesome!. I also find I am more mindful about my surroundings, especially the vehicles in front of me.

    Additionally, once I learned all of the parameters that they look for (miles per day, time of day and hard braking), I took advantage of the info to increase my own productivity. I have gotten better at scheduling trips around town, like to the store, bank, etc, and now tend to drive about 30% less than I did before. I also try to schedule everything between 0900-1600 daily for the lowest dangerous driving time. Unless we go to a party, we are never out past 2300, so the 0000-0400 thing is never a bother.

    It has been a fun game. I got a 10% discount on the initial 30-day mark, and am now projected for 17-24% at renewal. Let’s see, if I only get a 20% discount, that will take me to approximately $257 for six months. I DO have one old ticket that falls off just before renewal, and I believe that is going to save me an additional $30 or so; I should end up around $230 for six months full coverage.

    Not too darn shabby!

    I guess the bottom line is SNAPSHOT is good or bad, depending on your attitude, and your desire to save a few bucks. I like saving money, it lets me buy more photography gear! I will try to report back on October when I renew with the final results. But folks, lighten up. You do not HAVE to use SNAPSHOT, you don’t even have to use Progressive as your insurance company. But, it has helped me save in more ways than just my premiums; I have saved a bundle in GAS, and TIME, and, I believ is making me a better driver, all while I am trying to “beat Flo!”


  32. Has anyone had any issues with the snapshot causing electrical issues? I plugged mine in and immediately my speedometer and rmps went nuts. At a standing light it has me going 120 mph. I called Progressive and they asked me to remove the snapshot. I did put that did not fix the speedometer issue. Could this snapshot have damaged my vehicle? I asked Progressive and they said NO (of course). They said I had the issue and it is not the snapshot. I am returning it. I asked them what it tracked and they said I had hard breaked 7 times on my way to work. I only had one hard break incident that I remember the beeping going off.. the guy from Progressive said that one hard break could be logged as several. I asked him at what speed I was going and he said they did not have that information. He said it only tracks time/distance/and breaking.

  33. ” Dani

    November 4, 2012

    They say the device doesn’t have a GPS tracking where you drive. If that is true, how do they know if you are speeding? How can they tell if you are speeding if they don’t know the speed limit of the road on which you are driving?”

    In response to above, the device can not tell if you are speeding, and only tracks speed to determine if you are hard breaking or not. With that being said, I hate mine. I believe mine is defective in some way. It gives me the hard breaking beep when my foot is on the gas. It also beeps at other random times while I’m driving and not breaking at all. Or after I’ve been sitting at a red stop light for 3 minutes then it decides to beep at me? I’m not even moving how can I have a hard break? I called progressive and of course they think I’m someone calling to just complain when I truly am hard breaking, but seriously how is it even possible to hard break 6 times during a 10 minute drive on a highway with no stops? My discount after 30 days 000000000000! So stupid, I think they are purposely not sending me a new device so that they don’t have to give me a discount.

  34. Hypothetically, car makers can just make the “snapshot” technology standard issue, and when you sign your insurance contract you would agree that they can just tap that information pipeline.

  35. We have been with progressive for 3 years and have been receiving the snapshot discount for most of that time, on two vehicles. The savings is substantial, 25% on one and 22% on the other. We just bought a new truck and cannot wait for our new device to start saving on that as well! 🙂

  36. Hmmm……if you’re driving 85mph in rush hour you are the crazy one, if you’re hard braking every time someone “cuts you off” you’re likely tailgating or at least driving to close, maybe leave the “competition” part of you at home and slow down and back off. Most people can actually stop at the yellow without slamming on the brakes

  37. Sure it’s voluntary. But my policy rose by 22% in the last 6 month period. So if I didn’t get the monitoring and the possible discount, I’d have to pay a lot more. I need about a 14% discount just to return to the original rate.

    Step 1: raise the rates
    Step 2: offer monitoring for discount
    Step 3: if discounted, rate returns to original level

    That’s not a bargain. It’s not really optional.

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