Progressive Insurance Snap Shot My Experience Your Comments | Page 2 | Ford Escort Owners Association (FEOA)
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Progressive Insurance Snap Shot My Experience Your Comments

Discussion in 'Off Topic' started by Gabriel Panoussi, Feb 19, 2016.

  1. DrewsBrews

    DrewsBrews FEOA Donator

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    I'd bet the device only registers power on/off from the port to know when to start collecting data. Everything else is probably done from an internal or cellular synced clock and accelerometers within the device. It may use cellular service to send a coded text at intervals containing the basic data. All in all probably way lower on the tech pole than your average smart phone. I'd just worry it could be a drain on your battery to keep the device alive if/when sitting unused for extended periods of time. But that's the only problem I could see it causing.
    Last edited: Mar 1, 2016
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  2. zzyzzx

    zzyzzx FEOA Member

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    It does use cell towers. That and yes I keep the car on a battery tender.
  3. denisond3

    denisond3 Moderator Staff Member

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    I believe the OBD-II readings include the speed the car is going. Based on having those readings, the unit will know when you change speed, and how quickly. I presume the unit is powered from the 'OBD-II connector', & doesnt draw any power when the ignition is off. Certainly my Actron Scanner doesnt show anything when the ignition is off.


    By the way; whenever we got on an out of town drive, along with some basic tools, a roll of duct tape and spool of utility wire, I include my Code Scanner. My car is pre-OBD-II, but the scanner is useful when relations and friends (most of whom have newer cars than I do) tell me their Check Engine Light is on.
  4. Gabriel Panoussi

    Gabriel Panoussi My approval ratings have droped.

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    UPDATE:

    After 30 + Days of driving I have received documentation of my rate change.

    I had only one hard stop in the 30 day period and did not drive in high risk hours for the 30 days.

    My discount ended up being very substantial. The maximum of 30% reduction was applied. That translates to $35.00 a month in my situation. I am very pleased and am looking forward to the quote at renewal.

    Overall I would recommend this program if you are a safe, slow driver like me who coast to a stop. Also if you drive low miles during the day this is a good thing. $35*6= $210 bucks. In my case that is a flat screen TV or some tires I may need or something else I'd rather blow my money on. Thanks Flo.
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  5. dchawk81

    dchawk81 FEOA Member

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    That's a good savings.

    I work from 3pm to whenever so I'd be in that high risk hours stuff every single day.

    Another problem is that while I'm a careful driver, there are times I want to have a little fun, but with that thing I couldn't. I wouldn't want to live like that.

    I'm also careful, but not slow.
  6. Cymmantix

    Cymmantix My old archenemy, RAKES!

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    Good for you that it worked out in your favor. But the "hard stops" thing is bullshit to me - how can you control how stupidly other drivers behave? Where I live, someone does something dumb requiring a "hard stop" just about every day.
  7. madmatt2024

    madmatt2024 FEOA Member

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    Consider the "hard stops" in the same class as driving during high risk hours. If other idiot drivers are causing you to stop hard then where you are driving is obviously higher risk.
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  8. dchawk81

    dchawk81 FEOA Member

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    But we don't always have a choice when and where we drive.
  9. Gabriel Panoussi

    Gabriel Panoussi My approval ratings have droped.

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    I say do what I do. Drive slow. It is hard to come to hard stop when you drive slow enough. Most people will get pissed and pass you. You can see their BS coming from a mile away and anticipate that the car behind you will tail gate, finally change lanes, speed up and finally cut you off in a weak attempt to express their displeasure with how fast you are going. Also if you drive slow people tend to do crazy stuff around your slow moving vehicle rather than a normal speed vehicle that has limited time to react.

    Funny thing is I always see the cars that pass me at the next red light so yea they got there faster but by seconds so why bust a vein speed up the car just to brake hard at red light?

    Progressive idea of high risk hours is 12AM to 4AM. I think don't quote me. Also, I have heard from others (not me because that would be a violation of the SnapShot program) that when the car is off you can remove the OBD2 device and drive if needed like if you just want to back the damn car into the garage and don't feel like the extra line item on your snapshot report. Or if you are feeling frisky and need to feed some speed to your ride and need to test brakes in the event of an actual emergency.

    I could not imagine having this device in high traffic and high congestion areas such as NY or LA. That would be a nightmare. Even in California I remember the stupid shit that was popular for drivers to do. That is to be traveling in lane next to you slightly ahead of you then just before a red light that you both have to stop at they cut in front of you.. now in your lane they cause you to come to a hard stop because you just lost one car lengths space to stop. This little move used to irk me. Dumb ass you had no idea you needed this lane till the light? Also could you have changed lanes AFTER the the intersection? AFTER the light turns to green? But I digress...

    All in all if you can be good for 6 mths WHEN you dive with it plugged in the savings are huge in areas with crazy insurance rates. Many of you may know I am originally from California. My insurance was 47.00 bucks a month. In Michigan that went up to 145.00 my next payment is $98.00 bucks since snap chat so its a bit more than I mentioned before. My goal is to remain with Progressive to see if I can get my 47.00 rate (or as close as I can come) here in Michigan. Right now I am Flos no. 1 fan.
  10. Cymmantix

    Cymmantix My old archenemy, RAKES!

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    This. I don't drive much during "risk" hours, but people drive like complete assholes around where I live. Can't do much about that.
  11. madmatt2024

    madmatt2024 FEOA Member

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    LOL, that not the insurance co. problem. They see a higher risk you pay a higher rate. Want a lower rate? Move to a lower risk environment.
  12. dchawk81

    dchawk81 FEOA Member

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    I'm not moving but I'm not going for any nanny devices either.

    It's not always about where we live either. Not all of us stay within 5 miles of home all day every day. I live in rural PA but I used to work in Baltimore and DC and that general area a LOT.

    I'd be taking that doohicky out of my OBDII port every couple days and I don't think they'd like that.

    Nowadays I'm in my area more with the car but every so often I have to get on the interstate and it can be stupid bad during rush hour.
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  13. dchawk81

    dchawk81 FEOA Member

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    Besides, I can't be happy if I know I'm being watched. It would make me paranoid nervous.
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  14. Cymmantix

    Cymmantix My old archenemy, RAKES!

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    Nothing is their problem, including paying out - which they will do anything to avoid. Progressive was implicated in a case where they allegedly paid attorneys to oppose their own client so as not to pay out. They deny it, of course, but we will never know the real story.
    http://www.huffingtonpost.com/2012/08/14/comedian-matt-fishers-tum_n_1775191.html
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  15. Intuit

    Intuit FEOA Member

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    That likely translates to rural or high-income districts... basically where the population density is less + those incidents that do occur, are probably less likely to be reported/recorded.
  16. Gabriel Panoussi

    Gabriel Panoussi My approval ratings have droped.

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    UPDATE:
    So I am now at the end of my six months and I have had 0 hard stops which would grant me a full 30% off. Well that was true up until today when I received an email saying that is the end of my snap shot period and that THERE WOULD BE NO DISCOUNT due to lack of driving data.
    I am furious. 1st because according to their rules they need a min of 75 days data. Lets see that is about 2 and a half months right? I have had the device 6 months!!!
    I am going to call tomorrow to find out what type of shit they are trying to pull. I will keep you posted.
  17. dchawk81

    dchawk81 FEOA Member

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  18. denisond3

    denisond3 Moderator Staff Member

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    We will be interested in what you learn. I have 4 cars insured with progressive, (liability only and state minimums) but stopped using their 'plug-in' goody, cause I didnt like thinking about it as I drove. I explained to them that it was a distraction to my driving.

    I would check that the diagnostic connector is still getting both the 12 volt power and has a ground connection. My plug-in had lights on the front that would wink from time to time.
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  19. Cymmantix

    Cymmantix My old archenemy, RAKES!

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    This is SO surprising.
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  20. zzyzzx

    zzyzzx FEOA Member

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    For my first 6 months, I got 27% off, and the car was not even driven. My renewal discount is 16% with no speeding, no late night driving, and no hard stops.
    Last edited: Jul 25, 2016
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