SnapShot Discounts: Lessons Learned

My snapshot time is over. After exposure of about 3 months,  progressive has captured a snapshot of my driving habit.

One of the things that I have become aware of is about the hard brakes.
By definition, hard brakes mean  a decrease in speed  of 7 mph per second or greater.    
It is slightly mediocre, but it makes you love your brake pads and makes you stall your car to the next stop light/sign.

I think snapshot is good if you use your car for commuting purposes.
I am definitely going to shop around before I renew it. But currently progressive seems a good deal to me.

Progressive's Snapshot Discount

One of my friend suggested that I should enroll into Progressive's snapshot.
Snapshot program is easy to enroll. Just log into progressive website and then enroll.
One would benefit if s/he is driving less than 30 miles. That is perfect for my car. Because I use it only for commute fron home to school.

Actually, after one month of driving, I got about seventy five dollar in discount. Not bad!

However, I was expecting that it was only one month's data. Nope: they need the data for six month. The device sits there and records+ reports the driving habits.

This is for you if you:

• Drive the vehicle for commute, less than 30 miles per day.
• Do not drive during the "high risk time": between 12 AM-4AM.
• (Not an aggressive driver)
• Are not in a lot of STOP sign area.

Do not:

• Hard brakes: This one is slightly ridiculous at times. I get surprised when I see hard brake records when I did not do it. Defining hard brake is not easy if you are travelling in local road. Any acceleration/deceleration of 7mph or higher is taken as hard brake. Avoiding hard brakes is the best deal. Drive slowly !
• No mid-night driving. The time between 12AM and 4 AM is not good as of their snapshot policy.

There is not much stuff about progressive's snapshot. So, I am putting something for curious people. I hope this is helpful.

Written in May 2011