Snapshot Rewards You for Good Driving (2024)

FAQs

How does snapshot know if I'm the driver? ›

How does the Snapshot app with Road Test know if I am driving? The app can tell when you're driving based on your speed and the distance you're traveling. It can also tell when you're the driver rather than a passenger. It's entirely automatic, so you can hop in your car without a second thought.

Using your mobile phone: If you are using the mobile app, Snapshot can determine when you have been texting or making phone calls. Avoid these activities to remain safe and help increase your discount. Speeding: Driving above the posted speed limit will be noted by Snapshot.

If you're a safe driver, it's definitely worth trying Snapshot to see how much money you could save. For those who engage in riskier driving behaviors such as fast acceleration, hard braking and phone use behind the wheel, Snapshot could raise your rates.

Drive less aggressively – Don't have a lead foot on your gas or slam your breaks, keep a safe following distance from other cars, and drive the speed limit. Don't drive between the hours of 12-4 AM – These hours are considered to be higher risk driving hours and Snapshot will ding you for driving during them.

BEST RATING: A+ (Superior) FOCUS: Drivers now have a way to make their car insurance rates reflect how defensively they drive: Snapshot.

A B+ rating with Progressive Snapshot means you only get a 1-15 percent discount, a C will get you no discount at all.

If you're using the mobile app, details about your handheld phone use behind the wheel will also be collected. While location data is collected as well, it doesn't impact the Snapshot results you earn, but may be used for underwriting purposes.

While you can unplug your Progressive Snapshot device, Progressive will know about it. Repeated unplugging during your initial monitoring period means Progressive will not have enough data to set a performance discount, and it could also cause the company to take away your participation discount.

Customers who sign up for Snapshot can save an average of $146, including an initial discount of 5%. On the other hand, Progressive notes that 1 in 5 customers have their premiums increase as a result of using Snapshot.

Racking up more miles is the easiest, controllable factor to beat the system. The hard brake-to-mile ratio is really what they're looking for when determining the discount for your policy. In other words, you can either adjust your braking behavior, or you can add more miles to the data to win with the law of averages.

How long should you keep a snapshot? ›

Do not use a single snapshot for more than 72 hours. The snapshot file continues to grow in size when it is retained for a longer period. This can cause the snapshot storage location to run out of space and impact the system performance.

Progressive's Snapshot review period typically lasts a minimum of 75 days. But the company is temporarily allowing Snapshot customers to choose a shorter review period of at least 30 days for a recalculation of rates.

What's a good score? Scores of 50 or higher can be considered good scores and may qualify you for auto insurance discounts.

Key Things to Know About Progressive Snapshot

Progressive Snapshot monitors acceleration, hard braking, total mileage, distracted driving, and the time of day you typically drive. In addition to speeding and hard braking, things like driving late at night or being in heavy traffic often may cause rate increase.

Sometimes. Progressive may increase your rates after six months if you're a new customer and rack up a driving violation or an insurance claim within those first six months of being a policyholder.

Through GPS and other location-tracking features, the app will record and monitor your driving habits while you're on the road — it's as simple as that! We know what you're thinking: “What if my driving habits could use some work?

Snapshot collects information about how you drive, how much you drive, and when you drive. If you're using the mobile app, details about your handheld phone use behind the wheel will also be collected.

Yes, Progressive Snapshot does track speed using a smartphone app or a plug-in device. Snapshot also raises rates for poor driving, so drivers who have a habit of speeding may want to reconsider using this telematics program.