snapshot by progressive.
 

Anyone on here use snapshot from progressive? I'm assuming I'll need an obd2 splitter. Anyone really see any savings. Anyone think p&g will negatively affect the results? Could it potentially mess up readings with a scangauge?

I have used it on all of my vehicles. I'm saving 30% on my truck since I never drive it. The Acura is getting a 13% discount, and I currently have the snapshot connected to my Camry.

I did buy a splitter so that the Ultragauge could be used in tandem with the Snapshot. However, it seems the Ultragauge can interfere with the initialization of the Snapshot device, rendering it unable to log the trip in some vehicles. Perhaps turning down the sampling rate on the Ultragauge would free up enough bandwidth on the CAN bus for both to work correctly.

You will know if the Snapshot initializes correctly by hearing 3 beeps just after starting the car.

From Progressive:
The threshold for a hard brake is 7mph/second (1/3 of a g-force), which I believe is unreasonably sensitive. You will get many hard brakes at first until the annoying beep retrains how you decelerate. Even then, you will get an occasional hard brake when you just miss a traffic light, or someone cuts you off in traffic.

My sister received zero discount and was told to send the device back a few weeks after installing it. She never responded to the feedback she was getting by modifying her driving habits. She's a terrible driver, and has been responsible for 3 accidents.

I feel like I almost never Brake hard at all. My top speed of usually 52 due to the discovery of this website. Hopefully I'll get quite a discount. Do you have access to the data it records at all?

The device periodically updates your trips to the Progressive website and you can access the various trip details such as time of day, duration, and number of "hard brakes".

When Progressive first started the program, they required the user to connect the device via USB and upload the data from their computer. A minor hassle, but all of the data was accessible using a free program. I don't believe there is a program offered that allows direct access to the data for the device now being used. The current device uploads the data via cellular communication, so nothing is required of the user to upload the data.

You will likely do much better than most with avoiding hard brakes, but the threshold really is very low. I read somewhere that a stop from 55mph requires a minimum of 8 seconds, and you will cover a distance of 580ft. Try to decelerate any quicker, and the hard stop threshold will be triggered.

It took me a moment to relate to that, but when I drive to my parents' house, there are some stop lights as you leave the Phoenix area. I only drive fifty-five (on level ground) and I plan lights the best that I can, but until the light turns yellow, you really never know whether or not you can make the light. At that point, you only have three seconds to stop, which is far harder than I like. In outlying areas, there are just farms and open space, but they still have stoplights and stop signs, so if you drive ten miles and hit five stop lights, you might trip that alarm a couple of times, just during one drive!

My 40 mile one way commute has 3 stop lights. Well actually 4 but the one is more like a stop sign. And at night most of the stop signs magically turn into yeilds lol.

I had Slipshod... was told I was getting the maximum discount... noticed "rate creep" anyway. Shopped around, found a better deal elsewhere without any car spy. **** you, Flo. :mad:

I too suffer from rate creep. First it was my credit, then accident history. Like the connercial says, I said 15% by calling another company. :thumbup:

Yeah, but the weird thing was, my driving record is clean and so is my credit. There were no claims or even any incidents. I was getting a fistful of "discounts" even before Slipshod and I'd been a customer for many years. Slipshod said my driving was worth the max- 30% discount. So much for loyalty and good customer retention. Guess they need to raise funds for their billion dollar/year ad campaigns. :/

FYI- Going over 30mi per day results in a lower discount.

I had noticed rate creep as well. The "loyalty" discount appears to mean your rates go up. However, I once allowed my insurance to lapse, causing me to no longer be a Progressive customer with "diamond" status (achieved by being a customer for something like 3 years). When I signed on as a new customer, my rates were magically lower than I had been previously paying.

So much for loyalty.

Threaten to take your business elsewhere (and be prepared to make good on the threat) and you will be surprised what discounts you can get. If you're paying more than $30/mo for internet, you're paying too much. Call to cancel and tell the rep you are moving service to someone else, and all of a sudden you can keep the promotional rate.

I just switched from GEICO to progressive. Went from 165 a month to 140 with the same coverage. I looked at rates for tons of companies and progressive was the least for me. I can't remember which company but one quoted me 389 a month. Then they called me to see if I was interested in purchasing the policy. I said no but in about 50 not so kind words.

That's a good idea, and I did that but Regressive certainly did not care. They made me walk the walk.

It sounds like companies are more interested in obtaining new customers than retaining old ones. I just signed a new contract with Verizon, but wondered if I should have changed carriers for two years.

Verizon through Costco offered new phones for one cent, with a hundred-dollar credit, but only for new lines. They offered me the same phone for the "bargain" price of fifty dollars, without the additional credit. I did not feel that I had any reason to change carriers, but I probably could have had a better deal as a new customer elsewhere, and then Verizon would have had a better offer for me in two years.

Yup, I switch between the 2 every 3 years as the rate creep makes the rate what the other guy was charging. One time they blamed my credit and told me to contact the credit agency. I had other numbers from working at a bank and got to speak to real people. Like you may already know, they report the business is the one who makes the decision, but they blame the credit agencys. They then blamed the 2 non fault accidents I was in. Sure enough they were on my record, but as non fault. DMV said they list all accidents, but they do not count against insurance.

I know they hold no fault comprehensive claims against you. I had a truck burn back in 2012. Rates are definitely higher after that.

In that event there is an assumption you can avoid being involved in an accident. :eek:

Do you guys with Progressive go through agents? I've only noticed my rates decreasing, but my independent agent has switched me to different plans once or twice. I'm paying far less than I originally was.

You have an agent?!?!?!? I just get letters, emails and pre-recorded messages. I call after I get the bill and they just say it is what it is.

I had an "at fault" property damage claim (backed into a lady's car in a parking lot) with State Farm in January, 2010. They paid the claim, didn't increase any of my premiums, and still gave me the "accident-free" discount when my next vehicle's policy was up for renewal. And continued to give me that discount. :thumbup:

State Farm is on my --it list because of the ordeal I had with a loose trailer. A compliant to the BBB resulted in the BBB referring me to a few lawyers regarding the issue. They just paid for the rental car. I ended up calling my insurance progressive. Still they thought me every step. I had to provide photos of my car before the accident, after accident, when arrived at body shop and when it left there and arrived at body shop #2. Due to the hostile work environment the bank was I had all requested photos as Im use to covering my ass, reading my crystal ball, taking photos and other measures to prevent from being dragged under the bus. :thumbup: They ended up fixing everything and my next bill for 6 month premium went up 200 bucks. :eek:

this is what I think will kill me

~60 miles each way (120 miles/day - 30K miles/ year commuting alone)


I guess USAA has a similar program
they are offering a 5% discount (I think) to put the things on our cars
not sure I wanna risk it.

USAA also gives a hell of a discount for officers when they buy a mercedes. :thumbup:

I did a quick search and just saw:

Is that discount just for Officers? I do not think that I would make a good one, way too absentminded and forgetful.

Hm-m-m-m, which is it really?

Snapshot by Progressive?

...or...

Slapshot by Progressive?

(wink,wink)

Id say slap shot. you wont get me sending in my driving style, all you need to do is go over the speed limit and up go your rates, continue and they will drop you like a hot potato

Just got an email from Progressive today... saving 30% on the Camry I almost never drive.

We dropped progressive after a little disagreement we had. Picked up insurance, home and auto, through Erie Insurance and spend $77 a month for full coverage on the wifes and liability on mine.

Oh yeah, and almost twice the coverage that Progressive had.

Yep. When I bought my first real car (ie, not a <$1000 clunker) one of the sales people I worked with 'suggested' a local agent. Been using him for insurance ever since. My rates seem to continuously spiral downwards, and every once in a long while I get a phone call when he figures out he can get me something cheaper.

I've got better things to do with my time than worry about car insurance, frankly. Plus, I have someone to contact that I can actually get a hold of in seconds. Should I ever need to, I can go yell at him in person too. :thumbup:

I had an agent for the longest time. It was the same agent my parents went through, and that was all I knew when I was a kid.

After dinging a car in a parking garage, my rates went up to $1,800 for a 6 month policy. I couldn't afford this as a college kid, so I asked my agent if there was anything he could do to reduce the rate. I asked him to verify that I had the absolute minimum legal coverage, and he assured me that my rates were as low as they could go, and I was receiving a "discount" since my parents were also customers.

Forced to either stop driving, or find cheaper insurance, I found another insurance company that insured me for $800/6mo. When I informed my agent that I was going with a different company, he revealed that my rates could be reduced by lowering my coverage amounts. I was pissed that this fat, lazy and rich insurance agent was robbing a poor college student for over a year and had lied to me all along.

The only time I worry about insurance now is when I allow people who have zero motivation to save me money to keep my best interests in mind.

This mindset extends to everything from vehicle maintenance to real estate agents.

The only person that cares to make sure your car is repaired properly, or that your insurance coverage is appropriate, or that a house is suitable, is you. Count yourself as lucky if there are a few other people such as friends or family that have the same concern for your well-being as you do.

The Other Andy, oh, ok.

Redpoint, that too was my experience. My parents wanted me to use a family friend of a friend for the past 100 years. I felt my parents were paying too much for insurance. I got a quote and it was 3 times what progressive quoted me. Turns out this guy was a generic insurance company who uses one of the few you see advertised on tv. I guess he pockets the difference?

For giggles I went to get a quote for my father from progressive and was told 36 bucks a month for full coverage 500 deductible. He was being charges 200 a month from this "friend". :eek:

Yes, I could do it myself. I could also do all of my own car repairs. Or, I can find someone I trust to do it for me, someone who is far better skilled at it, so that I can utilize my free time for other things (which in my case often includes making money).

In the case of my insurance agent: he has given me results. My insurance rates have continuously dropped, and multiple times now he has reviewed my account and found plans which provide the same coverage for less. Yes, he does get some of my money for his time; That's called providing a service.

I'm sorry your agent was lousy. That does not automatically make every agent bad though.