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Snapshot and my 335
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07-24-2012, 08:59 AM | #1 |
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Snapshot and my 335
A couple months ago, I finally came to the end of my 6-month evaluation period with my Snapshot device from Progressive and thought I'd share some of the results with the E90Post.com community.
Before committing to this somewhat controversial method of receiving an insurance discount, I read up as much as I can from other online forums and decided that based on my driving habits, it would be only a minor inconvenience (less so with the additional work-arounds I used). Also, I could use as much savings as I can get while finishing up my PhD Here are some of those comments: CorvetteForum EvolutionM XDtalk.com 6 months ago, user reviews on the Snapshot program was relatively limited and scorned on other car enthusiast forums. Since there's no sort of information on here on it, I thought it would be worthwhile to inform people who may have or may be considering it in the future. For those with better things to do than read this post, here's what it boils down to: If you drive often (especially during at-risk hours), rack up a lot of miles and are always aggressive with braking, this won't work for you. On the other hand, if your daily commute is short and you'd like to see a potential reduction in your insurance rate while giving up some of your driving freedom for 6 months, go for it, but there is a catch. At the end of 6 months, I ended up getting the maximum discount (30%) that amounted to a net decrease of $10 over 6 months (the math doesn't add up, yeah - read on for details). As far as I'm concerned, it's just a data collection ploi
Conclusion: The discount they advertise is effectively a discount based on expected future premium increases, which amount to be quite significant in my case based on where I live (TX). At the end of the day, I'm still shopping around - which I'd be doing anyway had I not signed up for Snapshot. If you're contemplating enrolling in the program, I hope this gives you some of the insight you need before committing. Feel free to chime in if you've had personal experiences, or if you'd like to find out anything more specific.
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07-24-2012, 10:32 AM | #2 |
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So it sounds like you can scam the device?
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07-24-2012, 10:41 AM | #3 |
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well, not so sure about scamming. They do say that they can record when it is disconnected. How true is this? I'm not so sure, since it didn't seem to interfere with the discount, nor did I receive any correspondence from them about it.
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07-24-2012, 11:01 AM | #5 |
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It doesn't record anything while disconnected. Progressive just doesn't want it disconnected at all for 6 months.
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07-24-2012, 11:26 AM | #6 |
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I also did the snapshot program with my 335i. They lowered my rate by 30% as well.
I disconnected the device a few times, even for an extended period while it was at the dealership, and Progressive said it was not an issue.
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07-24-2012, 12:04 PM | #7 |
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Great to hear! Thanks for the backup.
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07-24-2012, 11:03 PM | #8 |
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01-04-2013, 07:57 AM | #10 |
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Just got my snapshot and thank you for this thorough review. If it wasn't for this I would have probably not done it. My premiums on the other hand have just gone up consistentely with no tickets or accidents. $156, $152, $165, then $186... And there is no GREAT explanation why.
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01-04-2013, 08:25 AM | #12 |
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They just get you to drive slowly and carefully for 6 months which reduces their exposure to paying out on a claim and they give you $10 off? Best $10 they ever spent!
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01-04-2013, 08:27 AM | #13 | |
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Ummmm, because Miami? I don't see how the insurance industry can even make money own there. Damage to your car is like a fact of daily life there. |
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01-04-2013, 09:54 AM | #14 |
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01-04-2013, 10:01 AM | #15 | |
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01-04-2013, 10:04 AM | #16 | |
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01-04-2013, 02:29 PM | #19 | |
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01-04-2013, 03:42 PM | #20 |
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How was your New Years man? Yea color me paranoid, but that snapshot stuff gives me the creeps. I mean, it knows when you're driving spirited etc.
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01-04-2013, 06:08 PM | #21 |
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01-04-2013, 06:10 PM | #22 |
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To heck with Flo's idea of "big brother" snapshot, go with Gecko or Liberty! It's too much fun to drive spirited (and fast, of course).
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