Progressive how does snapshot work

If we determine that the app is being repeatedly paused and we are not collecting enough trip data, you'll need to switch to the plug-in device to keep the benefits of the program. In some states, the mobile app experience is only available for customers at the time they purchase their policy.

If this is the case and you would like to try Snapshot, you can call us at or log in to participate in the Snapshot program with the plug-in device. You can check out your Snapshot options by logging in to your policy or using our Progressive servicing app. Depending on your state, you may be able to participate using the mobile app or the plug-in device. In other states, you need to use the plug-in device if you want to participate again. Yes, if you regularly drive a vehicle that is not on your policy, the mobile app is not a good fit for you.

However, the Snapshot plug-in device will allow you to participate in Snapshot and earn your personalized rate.

You will receive your device in the mail within seven to 10 days of when you signed up for Snapshot. After starting your car, simply look for a blinking light in the device. If you don't see one, unplug the device, review installation details, and then plug it back in.

If you still don't see a blinking light, please call us at If your device stops working or comes unplugged and we haven't heard from it in a while, you'll get an email with details on what to do next. The Snapshot plug-in device beeps when you make a hard brake.

Getting this instant feedback can help you improve your driving and maximize your potential savings. You'll get an email when it's time to unplug and return the device. We usually try to time that email with your policy renewal. However, if you plug in the device in the middle of your policy period — rather than at the start — we may have you keep the device plugged in beyond your renewal. Call us at , so we can send you a new one. The program does vary in a few states. See the Snapshot Terms and Conditions for more information.

Get a quote Or, call No account? View your claim here. Progressive resources. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. Insurance doesn't have to be complicated. Get easy explanations for all your questions. Explore our data-based deep dives to understand the latest trends on and off the road.

Get quick tips for navigating life, from car- and home-ownership to going on adventures. Chat now to ask Flo anything or explore commonly asked questions.

Get a quote. Jump to section:. What is Snapshot? How might Snapshot affect my rate? How is the mobile app experience different from the plug-in device experience?

What information does Snapshot collect? When do I learn about my rate change? Can I opt out of Snapshot? How can I enroll in Snapshot? Can I try out Snapshot before buying a policy?

Does the mobile app limit my ability to use my phone while driving? Does the app have GPS? Why does the mobile app need Wi-Fi? Is the mobile app a good fit for me? How does it work for multiple vehicles or drivers? Why can't I see the mobile app in the App Store? How long do I leave the app on my phone?

Can I switch to a device? What happens if I'm traveling internationally? Does the mobile app know who I am calling? How do I get the app on my phone? Does it cost anything? What do I do if I'm having trouble with registration?

You retain some control of how much data is transmitted. For example, you can pause the monitoring system if you are going on vacation or if you are a passenger rather than a driver. Logging into your Progressive account allows you to view the data collected, get driving tips and see details on any vehicle trips you have made.

New Progressive policyholders can receive a participation discount for enrolling in the Snapshot program. A discount takes effect after completing the initial six-month monitoring period and renewing your policy for another six-month period.

It is important to note that because Progressive bases rates on driving data collected using the Snapshot app or plug-in device, your premium could actually increase if your driving habits are poor.

Snapshot analyzes your driving habits to produce your driving reports. It also uses the data to resolve auto claims, as well as for underwriting assessments and development and research purposes. Among the driving characteristics that Snapshot monitors:. If you have a problem with the issues described above, you might not want to use Snapshot. However, if you are a good driver who avoids negative habits, Snapshot could save you money. The Snapshot mobile app installed on your smartphone stores analytics and driving data for a few days.

When you delete the app, you also delete the stored analytics and data. Progressive retains analytics information and driving data transmitted to its Snapshot system indefinitely. The terms allow Progressive to share depersonalized data to more third parties. Progressive can use data from all drivers on your policy for marketing purposes. Users can choose to restrict the use of their data for certain types of marketing.

After activating Snapshot, the system will monitor your driving for the first policy period. If more than one person in your household drives the same vehicle, each person must have their own app or dongle plug-in. However, some states require each driver to assign a vehicle to their usage-based smartphone app, while other states allow average driving data across smartphones and vehicles.

Progressive has not identified a way that it can track whether policyholders have deceived or manipulated the app.

Progressive policyholders who sign up for Snapshot have access to additional discounts under the Snapshot program. A few of the featured discounts include:. Snapshot is a great option for people who consistently engage in safe driving habits. People who drive often drive between 12 a. Likewise, people who regularly talk on the phone while driving, even using a hands-free device, should not use the Snapshot app. Drivers who perform well during the monitoring period could earn a discount on their car insurance rate.

Most insurance companies offer auto policy discounts for students earning good grades at school, getting married, buying a house or bundling their auto and home insurance policies. But usage-based insurance programs such as Snapshot offer immediate savings for driving safely.

If you'd still like to try Snapshot, you can enroll in Snapshot using the plug-in device by quoting with Progressive today. The app provides driving reports and displays your overall performance in the Snapshot Road Test program. It's updated after every trip, so check often to see your driving details and if you're on track to save!

After the app has logged 30 days of driving data, you find out if Snapshot would save you money. If you qualify to save, you can get a car insurance quote to see your exact discount and apply it to a new policy with Progressive. If you qualify for a discount with Progressive after driving for 30 days with Snapshot Road Test, you need to start a quote through the link provided in the app.

We prepopulate fields based on the information you provided at sign-up, then you fill in the rest to complete your quote and see your discounted rate. Yes, any savings you earn during the Snapshot Road Test kick in as soon as you switch to Progressive and remain on your policy as long as you're a Progressive customer. No, you'll have six months to buy a Progressive auto policy with your personalized discount.

If you decide to switch immediately, we're here to help! Keep your current coverage during your Snapshot Road Test. If you decide to buy a Progressive policy at the end of your Snapshot Road Test, we'll help you switch companies. One of the benefits of Snapshot Road Test is that you find out how Snapshot would impact your rate before you switch. And again, there's no obligation to buy a Progressive policy, but if you decide to do so, we're here to help you make the switch!

However, if you end your test early, you won't qualify for a discount. Of course! Simply start a free auto insurance quote and add Snapshot to your policy.

Once you have completed your Snapshot Road Test, we'll send you an email with a referral code that is unique to you. The rest is simple:. It's as easy as that!

The referral program is available everywhere that Snapshot Road Test is available. Snapshot Road Test is intended for drivers who do not already have an auto insurance policy with Progressive. Absolutely not! The only requirement to receive your referral code and begin earning is a successful completion of a Snapshot Road Test.

Absolutely not. If you were referred to Snapshot Road Test by a friend, you simply need to successfully complete your Road Test and you'll receive your Amazon.

Just be sure to enter the referral code during enrollment! If you referred a friend to Snapshot Road Test, you'll receive your referral payment within business days of their successful completion of a Road Test. There are no limits on how many people you can refer once you've completed your Road Test. Once installed, open the app and follow the instructions to complete your registration in the program.

If you cannot see the app in the App Store, it's because your phone is not supported and not available for participation in Snapshot Road Test. Your phone automatically collects your driving data even when the app is closed. Simply make sure the app is installed and unpaused and your phone is on during trips. The app is compatible with most Android smartphones. Upon installation, the app requests access to the following:. Your trip information is sent to us over Wi-Fi.

Your Wi-Fi connection also helps the app determine when a trip starts and complements GPS location data. The Snapshot app with Road Test collects information about how you drive, how much you drive, when you drive, and how you use your phone while behind the wheel. While location data is collected as well, it doesn't impact the Snapshot results you earn, but may be used for underwriting purposes. We're committed to keeping your driving information secure.

For details, see the Snapshot Privacy Statement. The app cannot see who you're contacting or any of your communications. In addition, the app only collects data on phone usage while you're driving. Phone use behind the wheel is one of the most common and dangerous types of distracted driving, and we take that into account with Snapshot Road Test. We measure any handheld phone activity in the app, such as texting or any other activity where you're actively touching your phone.

So hands-free phone calls or apps like music streaming or GPS directions are fine, but, depending on your state, physically interacting with your phone during a trip e. To be safe, we recommend opening any apps, such as typing in an address or choosing a music playlist, before you start driving. And remember, Progressive can't see what you're looking at on your phone. 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. All you need to do is keep your phone on while driving. The app detects when your trip begins and automatically starts gathering data. The app uses GPS to determine your mileage, driving behaviors, and speed over time.

Nothing like being penalized for following the law and doing the right thing to inspire confidence. While these specific reviewers shared negative experiences using Snapshot, a majority expressed positive sentiments about Snapshot, and many said they saw savings on their next policy.

While hard braking events do happen, common driving tips indicate it should be the exception rather than the rule. Snapshot is designed to try to look for patterns as an objective, third-party resource.

Some reviewers have expressed the fact that things like the beeping for hard braking have actually helped them become better drivers. This reviewer said "I am currently using the app to receive a discount, which has made me more aware of my driving. If you're a Progressive policyholder or are looking to switch to Progressive, enrolling in this program is a great way to earn a lower personalized rate. Reviews of Progressive Snapshot on Clearsurance show some drivers have saved substantially on their auto insurance rates.

Others said they saw hundreds of dollars of savings , and another said they received a discount of almost 30 percent. Another potential benefit that customers talk about is having their driving tracked actually made them a better driver. I really think it helped me become a better driver. It's clear from reviews that the potential for lower car insurance rates by using the Snapshot Program is possible. But it's also clear that some do experience no change or even a rate increase.

When deciding if trying Progressive Snapshot is worth it, it's important to analyze your driving record and your own driving habits to determine if you think you're a driver who would see savings. You can also consider using this device to motivate you to be a safer driver. If you decide to enroll in the Snapshot program, Progressive says if you opt-out within the first 45 days, you'll lose your initial discount and any potential discounts from your driving, but you won't see a surcharge for opting out.

However, if you opt-out of the program after more than 45 days, you may see a surcharge at your next renewal. Of course, if you disenroll, you will need to return the device. Check out our blog looking at the five most commonly reviewed car tracking devices on Clearsurance. The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction.

You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney. Ryan Baillargeon is the former Director of Content at Clearsurance.

His writing interests include using data and consumer reviews to provide new insights into insurance trends. About agencies or agents Agencies or agents near me. My profile Admin Sign out.

Auto Home Rental Life Health.