1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Insurance-Progressive Snapshot??

Discussion in 'Off-Topic Discussion' started by bozotaco, Aug 6, 2011.

  1. Aug 6, 2011 at 11:49 AM
    #1
    bozotaco

    bozotaco [OP] Well-Known Member

    Joined:
    Nov 13, 2010
    Member:
    #46122
    Messages:
    167
    Gender:
    Male
    Montana
    Vehicle:
    04 Tacoma
    debadged, new rims, topper, sleeping/ski platform
    So I've decided that I wasn't too pleased with state farm and gave progressive a call. They gave me a lower rate with the same coverage but also offered something interesting. If I do their SNAPSHOT program I'll likely get another 25% off insurance. The program requires that I plug some device into my diagnostic port and drive with it for six months. Problem is I have a scangauge hooked up and love it. However for 25% cost savings I figure it may be wise. Has anyone done this, or have experience with it?? Anyway to get a spliter that will allow me to plug both devices in?

    Thanks
     
  2. Aug 6, 2011 at 11:52 AM
    #2
    rleeharris

    rleeharris "Old Timer," compliments of 11Taco2.7

    Joined:
    Jan 16, 2011
    Member:
    #49326
    Messages:
    1,255
    Gender:
    Male
    First Name:
    Bob
    San Antonio, Texas
    Vehicle:
    '11 Tundra Crew Max TRD Off Road
    Beware of Big Brother! :spy:

    Have you volunteered for your government implanted RFID chip yet? :D

    Just had to give you a hard time... good luck with your quest for cheaper insurance.
     
  3. Aug 6, 2011 at 1:29 PM
    #3
    bozotaco

    bozotaco [OP] Well-Known Member

    Joined:
    Nov 13, 2010
    Member:
    #46122
    Messages:
    167
    Gender:
    Male
    Montana
    Vehicle:
    04 Tacoma
    debadged, new rims, topper, sleeping/ski platform
    Yea that was also what I was thinking, but I don't really have anything to hide. Anyone know if I could get a splitter on the ODB port???
     
  4. Aug 6, 2011 at 1:39 PM
    #4
    babytruck

    babytruck Babytruck, babytruck...I've got a babytruck :)

    Joined:
    May 17, 2011
    Member:
    #56797
    Messages:
    9,022
    Gender:
    Female
    NorCal
    Vehicle:
    2010 Barcelona AC 4x4 4.0 6spd
    It's a tracking system isn't it? They can tell how you drive, slam on the brakes, do quick maneuvers, speed, swerve while driving slow after that onnnne drink....if you are less than perfect they will jack up your rates!! :p
     
  5. Aug 6, 2011 at 3:07 PM
    #5
    mntbiker2008

    mntbiker2008 First I derp.. then I herp

    Joined:
    Dec 18, 2008
    Member:
    #11718
    Messages:
    8,247
    Gender:
    Male
    First Name:
    Aaron
    Cincinnati, OH
    Vehicle:
    93 Pick up 4x4 (sold), 10' Mazda 3
  6. Aug 6, 2011 at 3:10 PM
    #6
    wildjerseyfirefighter

    wildjerseyfirefighter I sell fishing and fishing accessories

    Joined:
    Dec 17, 2008
    Member:
    #11677
    Messages:
    7,975
    Gender:
    Male
    First Name:
    Joe
    NJ
    Vehicle:
    05 Tacoma TRD Sport
    stock, for now
    Sounds too good to be true..I'd do a little more research before doing anything.
     
  7. Aug 6, 2011 at 3:12 PM
    #7
    mntbiker2008

    mntbiker2008 First I derp.. then I herp

    Joined:
    Dec 18, 2008
    Member:
    #11718
    Messages:
    8,247
    Gender:
    Male
    First Name:
    Aaron
    Cincinnati, OH
    Vehicle:
    93 Pick up 4x4 (sold), 10' Mazda 3
  8. Aug 6, 2011 at 3:26 PM
    #8
    chris4x4

    chris4x4 With sufficient thrust, pigs fly just fine. Staff Member

    Joined:
    May 8, 2008
    Member:
    #6497
    Messages:
    104,126
    Gender:
    Male
    First Name:
    FlimFlubberJAM
    Tenoe, AZ
    Vehicle:
    2013 Rubicon Unlimited,
    4.10 gears, sliders, and lots of buttons.
    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....
     
  9. Dec 1, 2011 at 4:08 AM
    #9
    6spdtaco

    6spdtaco Well-Known Member

    Joined:
    Mar 6, 2010
    Member:
    #32654
    Messages:
    596
    Gender:
    Male
    First Name:
    Nate
    East Wallingford, VT
    Vehicle:
    Taco
    Tom Woods driveshaft. TRD short throw shift kit. TRD exhaust. AFE Stage II intake. CBI Bumpers front and rear. Warn 8000i winch/ synthetic line. OME 3" lift w/ dakar springs and 886 coils. ATO Front skid. ARE MX cap. Trail Team FJ wheels. Cooper Discoverer ST 265/75-16 C tires. Diff breather relocation mod.
    I just had to cancel and re-apply my progressive insurance because I moved to a different state. My new rate is lower and they offered me the snapshot discount. I just installed it yesterday morning. I can already view my driving stats on their website.

    Its actually kind of interesting to see my driving habits on a graph. https://onlineservice-yourpolicy1.p...g&_guid_=a33ae7d2-a3fa-478e-b2e9-78d71d236c75

    There is also a chart that shows number of trips, drive time, number of hard brakes.

    I decided to test the device out a little. I took some hard corners with some G's in them and also some fast acceleration to pass vehicles. Those statistics don't seem to stand out in the info that the device transmitted.

    A little background on my daily commute: 25 miles each way, single lane, windy rural highway in VT. Lots of corners, potential hard brakes, and varying speeds.
     
  10. Dec 1, 2011 at 4:14 AM
    #10
    4x4jeep

    4x4jeep Well-Known Member

    Joined:
    Jan 11, 2010
    Member:
    #29180
    Messages:
    1,035
    Gender:
    Male
    First Name:
    Kyle
    Destin FL.
    Big Brother is watching :spy:
     
  11. Dec 1, 2011 at 4:18 AM
    #11
    T@co_Pr3runn3r

    T@co_Pr3runn3r XXXXXXXXXXXXXXXXXXX

    Joined:
    Jan 20, 2009
    Member:
    #12767
    Messages:
    10,329
    Gender:
    Male
    <----------------->
    Vehicle:
    08 RC Prerunner SR5
    Insurance company can monitor me via my driving record. It isn't gonna be any cheaper than just having a clean record and current def driving certificate. Fuck that driving test co-pilot shit.
     
  12. Dec 1, 2011 at 4:40 AM
    #12
    iliketurtles

    iliketurtles Well-Known Member

    Joined:
    Feb 24, 2011
    Member:
    #51803
    Messages:
    287
    Gender:
    Male
    No way would I do that. Eventually that info will be used to screw us over even better.
     
  13. Dec 1, 2011 at 8:10 AM
    #13
    Burns

    Burns Well-Known Member

    Joined:
    Jun 19, 2007
    Member:
    #1871
    Messages:
    3,663
    Gender:
    Male
    NJ
    Vehicle:
    Truck is Sold
    There is no way I would put that on my truck.:spy:
     
  14. Dec 1, 2011 at 8:16 AM
    #14
    Warhorseforever

    Warhorseforever Will The Thrill

    Joined:
    May 3, 2011
    Member:
    #56023
    Messages:
    4,825
    Gender:
    Male
    First Name:
    Will
    Sand Lapper
    Vehicle:
    2001 Toyota Tacoma Pre-Runner SR5
    Kenwood KDC-348U HU Kicker DS65 Front Doors Only 2 Polk Audio MM840 Kenwood KAC 8105D for subs SuperCrewSound.com behind rear seat sub box
    Check under your hood by the intake manifold my '01 has an OBD-II port under there you could just plug it in there and leave it. No personal experience with the snapshot.
     
  15. Dec 1, 2011 at 8:18 AM
    #15
    Joe D

    Joe D Well-Known Member

    Joined:
    Nov 13, 2011
    Member:
    #66942
    Messages:
    3,136
    Gender:
    Male
    First Name:
    Joe
    Oxford, Mississippi
    Vehicle:
    Nautical Blue 4Runner Limited 4x4 Model 8668
    STAY AWAY FROM IT.

    We will not like the day when this becomes law and it's on the way. Don't fall for the bullshit, it will screw you in the end. It just provides data they can use to "justify" raising your rates at some later time...RUN AWAY don't walk.
     
  16. Dec 1, 2011 at 8:20 AM
    #16
    TurboGT

    TurboGT Hmmmm

    Joined:
    Sep 25, 2010
    Member:
    #43822
    Messages:
    748
    Gender:
    Male
    First Name:
    Gabe
    Portland
    Vehicle:
    '06 DC LB 4x4
    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.

    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.
     
  17. Dec 1, 2011 at 8:29 AM
    #17
    OffroadToy

    OffroadToy The dog did it...I swear!

    Joined:
    Sep 12, 2009
    Member:
    #22680
    Messages:
    5,061
    Gender:
    Male
    High Desert... land of junipers, sage brush, and l
    Vehicle:
    07 TRD OFFROAD 4x4 VSC/TRAC/DAC/HAC
    snugtop supersport canopy, black westin bullbar/tube steps, piaa offroad lights, weathertech floor mats, oem bed mat, trd seat covers, avs inchannel vent visors, 2" suspension lift, front diff drop, rear differential breather extension, oil filter drain hose, a/c drain hose extention & reroute, front window tint, cat theft protection plate, tailgate clamp mod, xpel headlight/foglight protecters, oem block heater, bfg 265/75R/16 a/t k/o's, cabin air rodent protection screen, rcbs illuminated 4X4 switch mod
    I'd never change to Progressive just because of that women their commercials!!:annoyed:
     
  18. Dec 1, 2011 at 8:30 AM
    #18
    TacomaPrime

    TacomaPrime Cybertronian Tacoma

    Joined:
    May 20, 2011
    Member:
    #56955
    Messages:
    1,586
    Gender:
    Male
    First Name:
    Greg
    Illinois
    Vehicle:
    05 Prerunner SR5 TRD off road
    So what exactly are you supposed to do when you get on the highway where the speed limit is 65-70?
     
  19. Dec 1, 2011 at 8:40 AM
    #19
    Joe D

    Joe D Well-Known Member

    Joined:
    Nov 13, 2011
    Member:
    #66942
    Messages:
    3,136
    Gender:
    Male
    First Name:
    Joe
    Oxford, Mississippi
    Vehicle:
    Nautical Blue 4Runner Limited 4x4 Model 8668
    I wouldn't be cause (I believe) the dude pulling the stings in that compny is one of those that thinks those of us who work are not doing our share when in comes to paying taxes.

    But, Flow is...oddly hot from my eyes...
     
  20. Dec 1, 2011 at 8:41 AM
    #20
    OffroadToy

    OffroadToy The dog did it...I swear!

    Joined:
    Sep 12, 2009
    Member:
    #22680
    Messages:
    5,061
    Gender:
    Male
    High Desert... land of junipers, sage brush, and l
    Vehicle:
    07 TRD OFFROAD 4x4 VSC/TRAC/DAC/HAC
    snugtop supersport canopy, black westin bullbar/tube steps, piaa offroad lights, weathertech floor mats, oem bed mat, trd seat covers, avs inchannel vent visors, 2" suspension lift, front diff drop, rear differential breather extension, oil filter drain hose, a/c drain hose extention & reroute, front window tint, cat theft protection plate, tailgate clamp mod, xpel headlight/foglight protecters, oem block heater, bfg 265/75R/16 a/t k/o's, cabin air rodent protection screen, rcbs illuminated 4X4 switch mod
To Top