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? What if we share cars? How do I decide which car to assign to which phone? Which settings are required to use the app on my phone? For best results, this setting must be enabled for the Snapshot Mobile app at all times. Location Services: Location services are used to calculate driving behaviors such as hard braking, mileage, and may be used for underwriting purposes.
For the app to work properly, Location Services must be enabled at all times. The app also uses Wi-Fi to more accurately determine when a trip begins and to complement the GPS location data.
App Running: In order for the app to properly record safe driving, please do not delete or close the app. It's okay for the app to be running in the background. Android The app should work on most Android phones without any special configuration. Upon installation, the app will request access to the following: Location: Location services are used to calculate driving behaviors such as hard braking, mileage, and may be used for underwriting purposes.
Wi-Fi: The app uses Wi-Fi to send us your trip information. Modify or delete the contents of your SD card: Google Maps, used for displaying your trips in the app, requires this setting to cache map data. We don't modify or delete any of your existing SD card content Read phone status and identity: Required to detect distraction-free driving. Does the app have to always be running in the background? How much data and battery does the app use? Do I have to turn on the app every time I get in my car?
How does the app know if I'm driving? How can I see how I'm doing in the program? When your tires are spinning, they spin at a higher rate of speed than the vehicle and once they catch traction, they rapidly slow down.
To the Snapshot device, this appears like an abrupt braking, even without the brake pedal pressed. This is because the vehicle speed sensor is often located in the transmission, so if the tires are spinning, so is the driveshaft.
To Progressive, a hard brake is defined as any condition where the vehicle decelerates faster than 7 MPH per second. Driving in an urban city — I wish you luck — you will inevitably trigger Hard Brakes daily.
After I understood this threshold, I avoided slowing down faster than 10MPH per second, and would watch my speedometer compulsively. This worked effectively to curb my hard brakes. Supporting my rationale for why I believe 7MPH per second Why do these scenarios matter? The constant that remains the same is the length of roadway between you and a given threat such as new vehicles entering the roadway. But on the highway, threats can be more prolific and less predictable e.
The counterpoint to this argument is that if you give yourself enough space between you and the vehicle in front of you, you can reasonably stay within the thresholds of the Snapshot device and still achieve your driving goals. However, I can give a slight nod to the conjecture that if a driver is able to control their braking, it can be a reflection of their overall awareness of changing road conditions. Now that you know what data the Snapshot device looks for and the difficulty in driving without triggering a penalty, you probably want to figure out how to play the game.
The discount that Progressive offers relates to the number of hard brakes you incur, the time that you drive at night and the number of miles you drive. Racking up more miles is the easiest, controllable factor to beat the system. In other words, you can either adjust your braking behavior, or you can add more miles to the data to win with the law of averages. When opting into the Snapshot program, you also let Progressive to use the data they recorded against you in the event of a claim.
Hypothetically, if you were going faster than the posted speed limit at the time of a claim, how do you think that will fare in your defense? This concern goes both ways; you can use the data to support your claim if you were driving safely. That data is only for me and my insurance company. The data can be incredibly useful in the event you are wrongfully accused of a crime. This man in Cleveland was found innocent of murder because of the data collected with his Progressive Snapshot.
It took me roughly a couple of months to retrain my driving behavior. And it worked. After a few months, I no longer consciously determine if my Snapshot device will ding me for slowing down because now I slow down earlier than normal. Considering that the device reminds the driver they just got penalized through their audible beeps, the driver will eventually adjust their behavior.
The negative stimulus is the annoying beep. The positive stimulus is the prospect of a discount. I saved one percent. That was how much my privacy was worth. For you mathematicians, you might have noticed that my percentage discount is not based on the same principal amount. This signaled to me that I should dig deeper. Once installed, and knowing the device was measuring my braking, it only took me about 10 minutes to get my first warning.
I tried more gingerly braking that day and a few times the device beeped at me even if I approached a stop sign or intersection slowly; it was that last few feet that caught the attention of the device.
But when I was more considerate about my braking, not jamming on the brake in those last few feet, there was no beep. In the 6 months I had the device I noticed the beeping lessening. I became sensitive to it and learned to adapt my driving so as not to be punished. Still, I worried that Progressive was going to raise my rates. Since you have to create a driving history for Progressive to consider, it takes about 6 months to get your discount.
At the end of the insurance term, or about 5 months later, I got a prepaid mailing box in the mail along with a letter asking me to return the device. Once I returned it my results were validated—meaning since Progressive got it back they would calculate my savings or penalty.
And considering how the device directed my attention to being a safer driver, even better. I can start the process over again and order another Snapshot to try to lower my insurance further.
Journalist, entrepreneur and mom, Scotty likes to say the automotive business found her, she didn't pursue it. But recognizing the opportunity to give voice to powerful female consumers and create a voice to match their spending power, her mission became to empower women as car buyers and owners. Her love of cars started when her father insisted she learn to change the oil in her MG Midget, but now it mostly plays out in the many road trips taken with her family. They just suddenly reduced grades for a bunch of people.
I got hard brake taking off at a street light on icy hill in a prius. Called them, got connected with a snapshot technician who deleted whole day of my trips from the record. Snapshot told me I drive 48 miles per week in each car. I had this device for six months. For me this is a piece of sheet. Magiority of them stopping on red traffic lights. Most of the times I was driving with the speed limit or 5 miles over the limit. Lights turns from Green to Yellow, I start applying the breaks gently.
Hard stoping. The only way to avoid the beep is to cross on red. No thanks. The device is unacurent and annoying. Sounds about as horrible as I could imagine. And, there are issues with how they use the data aside from determine rates.
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