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Progressive Insurance Snapshot

Discussion in 'The Okie Corral' started by eracer, Jul 20, 2012.

  1. eracer

    eracer Where's my EBT?

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  2. 686Owner

    686Owner NRA Life Member

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    I had the snapshot in both of my cars for 6 months and no one came and arrested me. Also, my vehicle does not contain GPS technology either.

    I'm not really sure what the point of the article is.
     

  3. Bilbo Bagins

    Bilbo Bagins Slacked jawed

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    That is funny, I didn't realize that thing was an actual device
    [​IMG]


    I would not trust it because of how the insurance company can screw you over with the data.

    Sure they promise you a 30% discount for safe driving, but will they drop your coverage if you rev'ed up to 80mph to pass some ahole swaying on the highway, or if you told them you worked 5 miles from home when the device reads that it you are really driving 8 miles when you factor indropping off the kids to school and a stop to get breakfast.
     
  4. VANWALL

    VANWALL

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    1984...................
     
  5. 686Owner

    686Owner NRA Life Member

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    No, they won't.
     
  6. pizza_pablo

    pizza_pablo USN Retired

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    "remuneration"...really? :upeyes:

    Good article, tho, thanks for sharing.
    This, is only the tip of the iceberg....
     
  7. M2 Carbine

    M2 Carbine

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    I called Progressive just this morning.

    I was under the impression that I only had to have the device in the car for a month.
    On the web site I was getting a daily countdown from 6/12/2012 to 7/12/2012. So when it hit Zero days left I pulled the plug.

    Then I get a E Mail saying to keep the device plugged in.


    So I call Progressive this morning. Here's the deal.

    I qualify for a 30% discount. Progressivesaid $90 dollars has been credited to my Credit Card as a refund. (I had paid in full for 6 months)

    I must keep the device plugged in until at least December.

    If my driving record falls below the current 30% discount rate in the future I'll have to PAY BACK a portion of that $90.
    If my record is as good as now until Dec my total discount (I think) will be over $90.
    I assume if my driving fell below the discount limit I would have to pay back the whole $90.


    In other words, Progressive is betting you will fail (they set the standards) so they can get the money back.



    Because of the way this has gone down, in November I'll be looking for another insurance company.

    I haven't made up my mind if I'll put the device back in the car to try and save that $90 between now and Nov.
     
    Last edited: Jul 20, 2012
  8. M&P15T

    M&P15T Beard One

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    I'm confused.....why are you waiting until November to switch insurance carriers?
     
  9. M2 Carbine

    M2 Carbine

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    I'm paid up until Nov.

    I suppose I could drop Progressive now and ask for a refund.

    But rght now I don't feel like fooling with it.

    So, I'll probably just start insurance shopping about Sept or Oct.
     
  10. Bilbo Bagins

    Bilbo Bagins Slacked jawed

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    You work for Progressive, or in the insurance industry? :whistling:

    I can tell you that we have a blackbox on your delivery truck at work and we fired drivers for speeding or taking the vehicle way off his assigned route.

    Insurance companies raise rates or drop policies for crazy things like credit scores, advanced age and too many "not-at-fault" accidents or damages. You really think once they are able to put a black box in your vehicle, they will not drop your coverage for data annomolies they find.
     
  11. toshbar

    toshbar Timber Baron

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    How does it communicate with the mother ship? wireless or do you have to plug it in?
     
  12. 686Owner

    686Owner NRA Life Member

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    Maybe I should have more accurately said, no, they didn't.
     
  13. M&P15T

    M&P15T Beard One

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    You wouldn't have to ask for a refund, it's automatic.

    Unless you have different insurance laws in your state.
     
  14. M2 Carbine

    M2 Carbine

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    You just plug it into the socket under the dash on late model cars.

    It starts beeping and blinking lights.

    If you move the car across the driveway it records a trip.

    You can go to your login at the Progressive sight and see the records of your trips.

    It's pretty cool actually.

    I could see where such a recording device might be handy if you wanted to keep a record of your auto use, maybe like for business expenses, taxes, etc.
     
  15. ray9898

    ray9898

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    Oh no! Between this and smart power meters we are all doomed.
     
  16. 686Owner

    686Owner NRA Life Member

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    I assume it uses cell phone networks.
     
  17. SC Tiger

    SC Tiger Jive Tiger

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    If you knew you were about to speed, could you just pull the thing out?
     
  18. 686Owner

    686Owner NRA Life Member

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    Cell phone networks.
     
  19. kensb2

    kensb2 pistol n00b

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    I'll just stick with State Farm, which I've had for 13 years, and is cheaper anyhow sans any "devices" in my car....I'd suggest the OP look there when they start shopping...If you notice in all the TV commercials, none of the big names ever say they're cheaper than SF.
     
  20. Gregg702

    Gregg702 Gold Member

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    I swiched from Geico to State Farm a little over a year ago, I have gotten great service and great rates from State Farm. Less than half my Gieco rates, with better coverage.