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Insurance-Progressive Snapshot??

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

  1. Dec 1, 2011 at 8:45 AM
    #21
    TurboGT

    TurboGT Hmmmm

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    Great question.... I guess the answer is that if this is designed for a secondary vehicle, it's not very likely that you'll be on the freeway in said vehicle
     
  2. Dec 1, 2011 at 8:57 AM
    #22
    T@co_Pr3runn3r

    T@co_Pr3runn3r XXXXXXXXXXXXXXXXXXX

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    That's when we will need one of those performance chips to tell the progressive thing you're always doing 20 mph instead of it telling the engine the intake air temp is always 40 degrees. :D

    Oh c'mon, you wouldn't take blow from Flo?
     
  3. Dec 1, 2011 at 9:02 AM
    #23
    SoCaltaco65

    SoCaltaco65 Well-Known Member

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    6 month snapshot? more like a bi-annual driving log upload.
     
  4. Dec 1, 2011 at 9:02 AM
    #24
    Joe D

    Joe D Well-Known Member

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    Ask me, ask me....
     
  5. Dec 1, 2011 at 9:11 AM
    #25
    Unzapato

    Unzapato Well-Known Member

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    I don't know anything about the snapshot deal, but I used to have Progressive. They jacked my insurance up almost $800 per year for being in an accident that was caused by the other driver. My driving record is perfect too. I called them about it and they agreed to knock it down by $50. I switched the next day.
     
  6. Dec 1, 2011 at 9:25 AM
    #26
    jrdbrn

    jrdbrn .

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    Progressive is more than Allstate

    Their commercial is deceiving.
     
  7. Jan 2, 2012 at 3:44 PM
    #27
    6spdtaco

    6spdtaco Well-Known Member

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    update: After enrolling in the SnapShot program I now get to pay 28% less!:D
    Seems worth it.
     
  8. Jan 2, 2012 at 3:46 PM
    #28
    YotaMark

    YotaMark Well-Known Member

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    No Thank you..... No spying on my driving habits!
    I ♥ State Farm anyways.
     
  9. Jan 2, 2012 at 4:10 PM
    #29
    Joe D

    Joe D Well-Known Member

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    Good deal and thanks for the info!!!

    1.) Were you with them prior to the "snapshot"?

    2.) Do you have exactly the same coverage on the exact car or truck?

    3.) Has anything about you changed such as tickets, multi-car or coverage of other properties?

    4.) Can you detail you driving habits?

    5.) Can you provide some info on yourself such as age, or marriage status?

    6.) Do you or anyone living with you have any other dealings with them such as checking, life, employment (by them or related companies) or other investments?

    7.) Did you, in any way, alter your driving or data collection device in order to skew the information?

    I sure understand if you don't want to answer some or all of my questions but at least please keep us updated on how thing go with them....

    I'm very concerned about the "big brother" thing and my status may, for a lot of reasons, be different then yours.
     
  10. Jan 2, 2012 at 4:46 PM
    #30
    6spdtaco

    6spdtaco Well-Known Member

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    East Wallingford, VT
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    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.
    Dang that's a lot of questions...I'll see what I can do.

    1:progressive policy holder since 2007
    2:Same truck and coverage since 2008
    3:A few speeding tickets, 1 hail damage claim, and a cracked windshield replacement
    4: 50 miles a day. 25 miles between 6:45 and 7:30 AM. 25 miles somewhere between 5:30 and 8 PM (depending on when I finish work) Paved country roads in VT. Hard accelerating up hills, sharp corners, sudden speed changes. Speeds between 25 and 70 mph.
    5: 26 y/o, single.
    6: No other policies with progressive or affiliates
    7: I did nothing different with my driving habits. I tend to drive aggressively and slightly over the posted speed limit when it seems safe.
     
  11. Jan 2, 2012 at 7:54 PM
    #31
    Joe D

    Joe D Well-Known Member

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    Thanks Nate!

    Now if I can get past the big brother thing...
     
  12. Apr 27, 2012 at 4:53 AM
    #32
    6spdtaco

    6spdtaco Well-Known Member

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    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.
    Another update:
    I just got the request from Progressive to finally return the device. I guess the trial period is over. End result is a permanent 28% discount, and no more "big brother". I knew there was a "preliminary discount" that was applied after about a month of driving, but then I found out I had to keep the device plugged in after that. I couldn't find any info about how long the device had to stay plugged in so I just stuck with it. Happy with their discount program overall.
     
  13. Apr 27, 2012 at 5:10 AM
    #33
    98tacoma27

    98tacoma27 :POOPCORN: Staff Member

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    So what do you end up paying monthly (if you don't mind me asking)?
     
  14. Apr 27, 2012 at 3:28 PM
    #34
    6spdtaco

    6spdtaco Well-Known Member

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    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.
    Seems like what I pay could be significantly different from another driver of different age, vehicle, and driving record. Regardless, I pay $68/month. Which is by far the cheapest rate I have ever had.
     
  15. Jul 26, 2012 at 6:59 PM
    #35
    OffroadToy

    OffroadToy The dog did it...I swear!

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  16. Jul 26, 2012 at 7:02 PM
    #36
    Rupp1

    Rupp1 Well-Known Member

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    PhotoShop abuse reported. :eek:
     
  17. Jul 26, 2012 at 7:08 PM
    #37
    Rich91710

    Rich91710 Well-Known Member

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    That article makes no sense.
    Discounts are typically 10-15%
    Discounts may be as much as 30%.
    In that discount, and not itemized, is the fee for having the device.

    Okay....

    I don't have it and I pay $2,000 a year.
    My neighbor has it and he pays $1500 a year.

    What the fuck? Is the author of the article trying to say that my neighbor SHOULD only be paying $1300 and there should be a $200 fee itemized on his bill?
    That's not a hidden fee... it's still a discount as long as everyone who has the device pays less than everyone who doesn't.
     
  18. Jul 26, 2012 at 7:12 PM
    #38
    Rich91710

    Rich91710 Well-Known Member

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  19. Jul 26, 2012 at 7:13 PM
    #39
    Bennett707

    Bennett707 Yeti Hunter

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    I have it in my truck.
    It monitors how fast you go, how hard you break, and how far of trips.
    I am sitting at 30% discount right now. Any time I go anywhere far I just unplug it. Simple. For you "big brother" derps, who cares if big brother tracks you going to work? also, if an accident was to happen or ticket, it actually can help you get your specs and if you are innocent help provide proof.
    here is some copy pasta

    I like saving 250$/6months cause of it.

    Somewhere it says something similar to if you have a high pattern of disconnects or something it may change your discount.

    [​IMG]
     
  20. Jul 26, 2012 at 7:15 PM
    #40
    Rich91710

    Rich91710 Well-Known Member

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    It would be cool to know the rate, but the way insurance is, it's impossible to compare across state lines, and even within the same state in some cases.

    Progressive and Geico were both HORRIBLE for my motorcycle insurance... $3000 for the same policy that cost me $700 with Auto Club.

    Now that I've dropped collision and comp on the bike, it's just liability on the bike, plus full coverage on the '04 Rav4 and '08 Taco... $2000 for the year.
     
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