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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Car insurance companies use several rating factors to determine your premium, and your driving record is among the most impactful. With the rise of telematics technology, insurers can now get a glimpse into your driving habits in real time. For safe drivers, telematics could be one of the easiest ways to save money on car insurance. Bankrate’s insurance editorial team explores one of the most popular telematics programs, Progressive’s Snapshot, to help you decide whether this discount can help (or hinder) your car insurance premium. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More What is Progressive Snapshot
may be an excellent way for safe Progressive drivers to . This telematics program logs your driving habits using an app on your phone or a device that you plug into your car. Snapshot monitors your driving behaviors, notes the times of day you drive, and tracks how often you use your vehicle and your cell phone usage while driving. Snapshot is free for policyholders, and according to Progressive’s website, you could earn an average savings of $47 just for signing up (unless you live in New York or Hawaii). The program is available countrywide, except for California. If your safe driving earns you a Snapshot discount, you’ll see it on your next renewal after signing up for the program. The average Snapshot discount is $156, according to Progressive, but beware: you could experience an increase in your premium if your driving habits prove you’re a risky driver. How does Progressive Snapshot work
Signing up for Progressive Snapshot is easy. When you sign up for Snapshot, you will either download the Snapshot app, which works with both iOS and Android, or you will wait for the company to send you a small dongle that plugs into the OBD2 port on your car, which is usually located under the steering wheel. Then, drive as you normally would. If the Snapshot device determines that you are doing anything unsafe, it will beep. The app and plug-in device use GPS technology to determine where you are and track how fast you are going. Sensors in your smartphone and your smartphone’s Wi-Fi connection allow the app to transmit data back to Progressive. 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. Does Progressive Snapshot actually decrease rates
Snapshot can either decrease or increase your rate — it depends on how well (or poorly) you drive. Most new Progressive customers can get a small participation discount just for signing up. Then, you must use Snapshot via the mobile app or plug-in device throughout your policy term (six months or a year, depending on your contract). If Snapshot indicates that you are a safe driver during that time, Progressive will replace the participation discount with the Snapshot discount and apply it to your renewal term. On the other hand, if Snapshot proves you to be a risky driver, your rates may go up. Progressive states that about 20 percent of its Snapshot participants experience a rate increase due to their driving habits. What driving habits does Progressive Snapshot monitor
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 are: Braking and accelerating: Snapshot looks for easy acceleration without jack-rabbit starts and smooth braking. Avoid slamming on your brakes unless necessary to avoid an accident. Time of day: Avoid driving late at night (between midnight and 6 a.m.). Midnight to 6 a.m. on weekends is considered the most dangerous time to drive, according to the . If you must regularly drive during these hours, Snapshot may not be a good fit for you. Mileage: Snapshot rewards those who are relatively low-mileage drivers or who frequently carpool, because being on the road less often means a lower likelihood of accidents. Using your mobile phone: If you are using the mobile app, Snapshot can determine when you have been . Avoid these activities to remain safe and help increase your discount. Speeding: Driving will be noted by Snapshot. 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 dangerous 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. According to , Progressive retains the right to share your Snapshot data with third parties: To service the insurance policy To detect or prevent fraudulent activity For marketing and research purposes As permitted and when required by law for a police investigation or when subpoenaed for a civil lawsuit To government insurance departments to support rates To Progressive’s service provider To other insurers or attorneys to resolve claims or litigation 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. How does Progressive know who s driving
As part of the enrollment process, all drivers need to download the mobile app onto their phone. In some states, drivers choose which vehicle they drive the most. From then on, that phone will be associated with a particular vehicle. In other states, Progressive averages the data from all smartphones in the policy. For instances where two drivers in a household are in the car together, Progressive states that its mobile app should be able to determine who is driving and only use the data from that person’s phone. However, if the app does have an error, it does offer an opportunity to fix the trip information if needed. Progressive Snapshot savings
Progressive policyholders who sign up for Snapshot may be able to maximize their savings by practicing the following driving habits: Limit hard brakes and accelerations: By avoiding stepping on the gas and slamming on the brakes, you may boost your Snapshot discount. Avoid late-night driving: Driving during less risky times of the day can generate more savings. Drive less: By driving lower miles or carpooling you can save more. Stay off your mobile phone: By avoiding phone calls and texting behind the wheel, you can qualify for additional savings. Who is the Progressive Snapshot app a good option for
To see if Progressive Snapshot is a good option for you, it can help to think about your own driving habits. Progressive Snapshot rewards drivers who limit sharp braking and accelerating, typically avoid late-night driving on the weekends, are generally low-mileage drivers and avoid their phones while driving. If these are driving habits that you already practice or want to make a habit of doing more often, Progressive Snapshot might be worth a try. If you’re with another car insurance company but are curious if Progressive Snapshot will lower your premium, you may want to consider signing up for the. This program will let you try out Snapshot for 30 days to see if your driving habits will net you a potential discount if you switch to Progressive. How do you save with Progressive Snapshot
Progressive’s Snapshot program only rewards good drivers. Drivers who perform well during the monitoring period could earn a discount on their . 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 such as Snapshot offer savings for driving safely, based on real-time data. Is Progressive Snapshot worth it
While other programs require extended monitoring, Snapshot monitors your driving habits and sets your new rate in a single policy period. Progressive Snapshot customer reviews indicate that users are generally happy with the program. If you maintain a good driving record and always observe the rules of the road, Snapshot could help you save hundreds of dollars a year on auto insurance. Frequently asked questions
What is the best auto insurance company
Because buying car insurance is a very personalized process, the will be different for everyone. It can help to consider the number of cars and drivers you’d like to include on your policy, as well as location and even discount opportunities. When looking for the best car insurance for you, it doesn’t hurt to shop around and to see what options are available.
How much money can I save with Progressive Snapshot
On average, drivers who enroll in Progressive Snapshot save up to $156 per year on insurance premiums. However, keep in mind that the final discount may vary for each driver depending on driving habits.
What car insurance companies offer a telematics discount
Progressive isn’t the only auto insurer to offer a telematics discount. Other carriers like Allstate, Nationwide, Root, American Family and Geico offer usage-based telematics discounts, although the discount amount and state eligibility vary. If your car insurance is not with Progressive, you will not be able to participate in this program. However, Progressive does have a free trial called Snapshot Road Test that lets you test out the telematics system and see how much you might save with Progressive without changing your auto insurance. SHARE: June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics. Related Articles