Progressive Insurance Snap Shot My Experience Your Comments

So they claim that my device was unplugged or not reporting for 93 days which is total crap. My only reasoning behind this is that my VSS was malfunctioning and working intermittently and on those days the device registered as unplugged.

Still seems shady to me. Their solution was to enroll me in SnapShot once again for 6 months meaning that my first payment for my policy renewal would be at full price with an initial discount at 30 days. I still have to be monitored for 6 months though which is a bummer.

If my car did not have the VSS issue I would be raising hell right now. The VSS has been fixed so I don't anticipate any more issues. Keep you updated.

Insurance companies are greeeeeeeeeeeeeedy. Don't hold your breath. 18 years of never having filed a claim or having one filed against me is not enough to preven exorbitant pricing. Just flat-out greed. Nothing more, nothing less. Insurance companies *ALWAYS* have an excuse charge more, but never less.

I wholeheartedly agree. To the point that even the guy you talk to on the phone is looking out for their bottom dollar. However, in my situation even the initial discount offered for participating in their program lowers my premium. In other words I still get my 30% discount. Well at least for another 6 mths. What else can I do other than pay full price.
In all honesty in the past I would have switched insurance companies immediatly after this type of stuff. But again rock and hard place here since I moved to the great lakes. The other company that ranked second "cheapest" was over 100 more a month. 2 years ago because of that I jumped at progressives quote. They are all greedy bastards. My dad had state farm that was a good company. Drove many years no accident and every year his rates kept getting lower. Of course this was in California.

No tickets or accidents, etc and Allstate jacked my car rates by 26%.

Wow. I don't think I have ever had my rate jump that much. They must have seen something they didn't like somewhere.

So here we are a year later after using snap shot and I am off parole lol.. the results? A 30% Discount. That is the max allowed. So I am pretty happy about that.

I suspect they're trying to force everyone who has a newer vehicle into that non-sense. I am seriously considering filing a bond with the state this year. Otherwise I'll have no choice but to get bent over. 50k is rather steep, but it'll be cheaper in the long run.

This is what happens when insurance companies write the laws.

They did the same to me, I called and said WTF?? Long time customer, no BS, etc. My agent said unfortunately the only way to save money would be to switch companies. I was dumbfounded that they'd rather lose me than keep me and lower the price back down. "Across the board rate increase".

Has anyone here ever claimed what they've paid out? WTF are they doing with all that money besides wrecking multiple cars in commercials, plastering their name all over every stadium, at least one sky-scraper in every city, and funding election campaigns ?

If you wonder how they all manage to come up with very close pricing, they buy these fancy computer algorithms that try to figure out what you'll tolerate in payments.

If everyone had claims close to what they've paid in then the insurance co's would go under. Most people never get out of insurance what they put in BUT there are the few that get way more out then they ever put it. That's how insurance works. When some idiot tries to sue you for everything you are worth and the cops take their side even though it was their fault you will be glad to have insurance and their lawyers fighting for you.

As for stating the obvious, we know that's how insurance works. The only complain leveraged was THE AMOUNT CHARGED and WHAT THEY CAN AFFORD as a direct result of what they charge.

As for "when" ? No. Odds are, the overwhelming majority of us will NEVER face that situation. This equals, easy profit. A very very very tiny percentage recoupe what they pay into it. (probably similar to Social Security) That's how the game works.

The insurance companies fight for their own best interests, period. If yours happen to be aligned with theirs, consider yourself lucky. As for me, it amounts to legally required extortion. I've never once filed a claim in 17 years of driving. Is what it is; I can't drive legally or finance a vehicle without it.

Interesting... That really puts the liability aspect under close scrutiny. Put that way even though it seems like a rip off and you never use it...insurance can bear that burden for a c note a month. Think about how much does it cost to take care of a disability situation. Paraplegic?

Less than a C-note for most people though car insurance alone isn't enough to deal with a permanent disability situation. It does help though.

Discount now down to 13%. I have barely driven the car during the rating time period.

Yes, Allstate jacked my car rates again, so I switched to Geico. I'm guessing after 6 months I will switch to someone else.

I switched back to Allstate a couple months ago. I'm back down to the pre "across the board rate increase". If they just put it back down in the first place it would've saved a lot of aggravation.

With poor pricing, products and customer service experiences, it used to be that the big three would simply chase their customers over to one-another. Somebody would get pissed at Ford so they'd buy GM. Then GM would piss them off so they'd buy Chrysler. Chrysler would screw them, so they'd go back to Ford.

Then auto imports and labor exports change the game.

Maybe AllRape and the rest of'em should try manufacturing their sh* in Mexico. Do the Koreans offer insurance here?

And Allstate would have made more money off of you.