Snapshot

  • jeep334

    Posts: 406

    Mar 18, 2015 3:59 PM GMT
    Does anyone have the Snapshot from Progressive Insurance? I just recently signed with Progressive and opted to accept the Snapshot device as well. From what little I understand about the process, it will track your driving habits and give you feed back on how to improve ways to save insurance. But I'm thinking that it will find ways to determine where more insurance will be required. Any thoughts? Thanks. icon_cool.gif
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    Mar 18, 2015 5:13 PM GMT
    I haven't heard that one, but I'm not surprised. There are a bunch of such devices that you can buy. I saw a couple of them at Best Buy last time I was there. They plug into the OBD2 port of your car and send engine diagnostics direct to your iPhone. They also track the location of your vehicle and graph your driving habits. (Generally a subscription fee applies like $100 a year - it's basically a cell phone in there.)

    If my vehicles were being driven by teenagers, or employees, I'd get one. One that sends data to me - not to the insurance company.

    If your car is too old to have an OBD2 port (e.g. my Jeep) you are SOL.
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    Mar 18, 2015 6:58 PM GMT
    I'd avoid it. How many companies do you think are out there looking out for your interest? I know this sounds skeptical but it is true. Their interests are paramount not yours. They want to use this tool to gather your data - where you go, speeds you drive, how fast you stop and go, the duration of your trip - not to find ways to drop your insurance rate (that's not in their interest) but to justify why they should increase it. Unless of course you drive like a model citizen. Our privacy is being invaded enough by the increasingly large number of intersection cameras, hwy cameras, and sensors on the roads and in police cars. I'd avoid inviting further intrusion if I were you.

    Hope this helps.
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    Mar 18, 2015 7:10 PM GMT
    Well, the other thing they do is display ads for stores that you pass. And if the diagnostics system shows anything out of optimal range, you get unsolicited quotes from various garages to fix it.
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    Mar 18, 2015 8:58 PM GMT


    Intentionally putting on a tracking device on your car sounds scary. I think younger people are becoming so used to broadcasting most facets of their life online that they are unconsciously beginning to accept the loss of personal privacy without a second thought. It's a slippery slope to 1984 and a lot of us are picking up speed without even realizing it.


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    Mar 19, 2015 2:17 AM GMT
    Depends on how much of a discount they'll give. If they don't take at least 15% off, then it's not worth it.
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    Mar 19, 2015 3:31 AM GMT
    I read somewhere that the only thing the Progressive gadget records is hard braking. But I find that hard to believe.
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    Mar 19, 2015 3:57 AM GMT
    Do not vehicles that come with "OnStar" and the like record and send back all the same sorts of data to the factory? And of course, the government...
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    Mar 19, 2015 7:04 AM GMT
    Lumpyoatmeal saidI read somewhere that the only thing the Progressive gadget records is hard braking. But I find that hard to believe.

    Yeah, that's a load of crap. The OBD port can access all vehicle telemetry. And with modern cars, there are more sensors to capture more data.
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    Mar 19, 2015 7:06 AM GMT
    mindgarden saidDo not vehicles that come with "OnStar" and the like record and send back all the same sorts of data to the factory? And of course, the government...

    The scary thing about OnStar is not only the always-on microphone, but the fact that the vehicle can be remotely disabled, doors locked/unlocked, and some other controls.
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    Mar 19, 2015 6:11 PM GMT
    xrichx saidThe scary thing about OnStar is not only the always-on microphone

    And you thought nobody heard you when you let rip those loud farts.
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    Mar 19, 2015 8:09 PM GMT
    Lumpyoatmeal said
    xrichx saidThe scary thing about OnStar is not only the always-on microphone

    And you thought nobody heard you when you let rip those loud farts.


    Even worse: Those off-key show-tunes sing-alongs... icon_redface.gif
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    Mar 19, 2015 8:51 PM GMT
    xrichx said
    mindgarden said... the fact that the vehicle can be remotely disabled, doors locked/unlocked, and some other controls.


    Mixed emotions on this. On the one hand, it bothers me somewhat to know that your location and driving habits can be tracked, not just by OnStar but even by your smartphone...even if you don't think it can, it does! (The same way Apple knows where you took that photo if you didn't turn off the geo-location for Pics.) Ever download MapQuest, or Geo-caching etc apps and left them running all the time? Anything can be hacked nowadays.

    On the other hand, I know of an instance where a stolen car was tracked and shut down by OnStar at the request of the police. It was recovered without damage and only 3 miles from where it was stolen.


    Also, I know of 2 women who, in a strange city alone at night, locked their keys inside their purses in the car and called OnStar who remotely unlocked it, stayed on the line while they got in and started the car and OnStar even LOCKED their car doors for them! icon_wink.gif

    It depends on your level of comfort in giving up personal information. And the younger generation seems all to willing to share every fart and tittle of their lives on Twitter, Instagram, et al.
  • bondthomasabc

    Posts: 4

    Apr 09, 2015 11:41 PM GMT
    I recently signed up with Progressive, and during the process of completing the online application, I came upon the checkbox to add the Snapshot device to your policy, at no charge!

    At first, I checked the "yes" box, as I suppose the marketing had reeled me in...

    There were several more pages to complete of the application before arriving at the end, where a summary page broke down the details of my soon-to-be new policy. As my eyes scrolled across and down the screen in review, I stopped at the Snapshot portion, and then pondered to myself what my actual reality of this would likely become:

    "I'm horrible with time management. The only thing I'm consistent at is being late...for EVERYTHING!! I guarantee that within the first week of having this thing plugged in, I'm going to be in another situation where I'm late for an appointment, which will cause me to do what I all too often do... zig-zagging my way through traffic, 85+ mph, in the car pool lanes during car pool only hours, stuffing the brakes when at the last second I realize the intersection I'm about to blow through is double jeopardy - it is equipped with both a red light AND a speed camera! And this is just one trip to my clients office. And since I had the bright idea to add the Snapshot to my policy, I'm pretty much guaranteed to see my rates rise substantially in 6 months when I'm up for renewal! Can I unplug this thing and tell them I lost it?"

    Needless to say, I went back and checked the "No" box instead.

    They offer this to customers under the premise that its a way to lower your premium as a reward for safe driving habits. Sure. If you buy into that one, how about a terrific deal on some sand from Dubai? I'd be quite interested to see their internal statistics on how many premiums are increased as a result of data collected from these devices. From a revenue generation standpoint, which is the sole purpose behind each and every decision any Insurance Co. makes, the Snapshot is to Progressive what a high-speed, magnetic ink capable digital press is to a $20.00 bill... A means to make more!

    Remember guys, we're talking about an Insurance Company here, who believe me has rooms full of both high tech equipment and highly skilled people with one mission in mind: To extrapolate as much cash from each and every "customer" as is possible, regardless of ethics. And all Insurance Companies do one thing, without fail, all across the board: They share every shred of information about YOU with their peers. There isn't another industry anywhere which freely and openly shares customer data with their competitors like the Insurance industry does.

    Thomas
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    Apr 09, 2015 11:58 PM GMT
    I would not use the Snapshot. I tried it and hated it. I felt like it made my driving worse. Essentially if you press your brakes at all at anything more than a light tap you will get dinged. So yellow light? Ding.

    Unless you're driving less than 10 miles a day it's not worth the effort.
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    Apr 09, 2015 11:59 PM GMT
    Lumpyoatmeal saidI read somewhere that the only thing the Progressive gadget records is hard braking. But I find that hard to believe.


    It also records your mileage, so it knows you aren't taking it in and out between certain drives (also tracks how much you drive).
  • Import

    Posts: 7190

    Apr 10, 2015 12:00 AM GMT
    I heard from a friend's dad who is in the business of selling car insurance that this snapshot .... tracks how often u use the brake. So, the less u use ur brake... the "safer" the driver u are, according to Progressive. And the better rate u will get.

    Obviously, u dont wanna avoid using brakes, but ppl that tend to be speed or drive risky also tend u use the brakes more, etc... so just be mindful of that, like when a light turns green don't speed up ahead and then start tailgating another guy where ur tapping the brake every 5 seconds... stuff like that