Recently my daily got into a hit and run. So, I enlisted my Escort into active duty. I live in Michigan the no fault state with the high rate. Anyway, I used to pay 107 per mth for liability state minimum insurance on the old 95 Pontiac Grand Prix Coupe V6 3.1L. My rate jumped to 145 per mth for liability state minimum insurance on the 97 Escort 2.0L Go figure, I was told by many that a 4 door 4 cyl would be cheaper to insure. Apparently that is not my case. Still I have no regrets I enjoy the Escort. I feel the Escort to be a superior car overall as compared to the Pontiac (*cough* 17mpg city). That being said I like money, I like having lots and spending less. So I decided to enroll in Progressive SnapShot in an effort to save money. I now had a OBDII port and snapshot was a possibility. I did not know much about the program. I heard it saved 0 to 30 percent on your next policy renewal. I signed up then I researched the internet and found quite a bit of negative comments towards the program. Some complained of the device registering hard brakes when they were cut off to avoid getting into a collision, others claimed that the discounts though applied were met with matching or higher rate increases being explained away as a general rate increase for the "area". Some even said the SnapShot Device caused an SES light to trigger requiring 90 bucks worth of diagnosis work. I did more research and came to read the fine print. If I understand the jargon the device reports to a super secret buried bunker off shore. No, I don't know where it reports but it does report and measure 3 matrix of your driving. They are 1. Hard stops via OBDII presumably by monitoring a speed sensor or tranny sensor. 2. Actual distance traveled. 3. Time of diving. That's right time of day or more appropriately time of night. Progressive considers the hours of 12 AM to 4 AM high risk hours for driving. I tend to agree. Night itself creates viability issues reducing the safety and increasing liability. Add the drunks, the sleepy drivers, the ones who "have trouble seeing at night. Well you get it. One person particular situation was worsened by the fact that he set off for his morning commute at 2 AM. My opinion... Yes that would suck for you, is it higher risk to be on the road commuting to work at 2AM than say 7:30 AM rush hour I dunno. Further investigation revealed something interesting and unsettling. Seemingly buried. A note that the SnapShot program evaluates your driving for 6 mths the bases your renewal rate based on monitored driving habits. This may result in a discount or decrease of 0 to 30 percent however the information used to calculate the rate is the data not your driving history or number of points. Advantageous to some? Perhaps. However as I continued to read it also mentioned that the data can be used to also increase premiums for higher risk drivers. Again all this based on the 3 recorded matrix listed above. That part certainly was not advertised as loudly as the 0 to 30 percent discount for participating. 30 day I am noping out of this clause is in effect. After the initial collection of 30 days of data you are presented with an offer. An initial discount based on your recently collected data for your current policy term with the stipulation that if you accept you agree to follow through with the continued data monitoring for the additional 5 mths and a review of that data to adjust your rate at time of renewal. As for myself well, I am only on day 2 number. My number of hard stops recorded thus far zero. Goose egg. I drive slow and people behind me get hate it. But the way I look at it is that I am broke and at best this means a discount of 43.50 per mth for my situation. So I don't care other people won't pay my insurance and I could give a shit if they have an issue that is why there are two lanes America is about the freedom to remain calm and pass that annoying slow driver without raising your blood pressure one iota. I digress. Btw have I decided to keep it? I dunno. So far so good on the hard stops but uh truth be told the car today gave off a burned smell once the heater was turned on shortly thereafter the heater stopped working. Coincidence? I have not checked the fuses yet. I know nothing of this car and it was recently purchased. I will keep you all posted. The point of this post was to tell about what I got into see if anyone else has tried it comments etc. Fire away!