I did the Snapshot discount thing.... Didn't turn out too well for me, cuz I wasn't exactly given the correct information about how it works... Here's what I found out, the Hard Way:
1. It's designed to give you a break on insurance for secondary cars. I used it on my primary car, and my mileage killed me, and I don't think that I drove that much (at the time... my commute's increased two-three fold now)
2. I was told don't drive at night, between midnight and 5 am... Turns out those are the hours that I should have been driving to get a discount.
3. Tracks speed and hard brakes. Anything over 60 mph isn't good for you, and if you exceed a braking deceleration of more than 7mph per second, you get "dinged points"
It doesn't track where you go or anything, just when and how fast. If you use your truck for your primary driving, you'll end up with like a 1-5% discount.
Originally Posted by chris4x4
I would get it, then everytime you get ready to go for a drive, unplug it. Then plug it in when you get back......OR.....Unplug it, drive to your favorite off road area, plug it in, and drive bat shit crazy, then unplug it and drive home....
Doesn't work like that Chris... One of the questions I asked before starting it was "What about if I loan my truck to a friend; can I take it out so I'm not dinged by any potential habits they might have?" Their response was "you can so long as it's not a common occurance." It was then explained to me that the device also tracks your odometer as well, and if your driving habits don't matchup somewhat with the odometer, they will disqualify you.
On the flipside, I can't wait to dump progressive and move back to state farm. I talk to my family's agent with SF, and I'd be paying some $85 a month for BETTER coverage with them (if it weren't for some underwriting issue), vs.... well, I won't say how much I'm paying now, but I could pay off my truck almost two years sooner with the difference.