Also, if any drivers on your policy regularly drive vehicles not on the policy, the mobile program may not be a good fit. Some examples of this include delivery drivers and people driving a company car. Each driver on the policy downloads the mobile app on their smartphone. In some states, during registration of the app, each driver chooses the vehicle that they drive most often and each smartphone will then be associated with a vehicle.
In other states, we average the driving data from all smartphones across all vehicles on the policy. In either case, the smartphone shows that driver's driving data and it doesn't matter if they sometimes drive a car on the policy other than the one associated with their phone.
If two drivers from the household are in a car together for example, husband and wife , the mobile app should be able to determine who is the driver and only collect trip data for that person. However, in the instance that the phone app registers the trip for both individuals, we provide the opportunity, in the app, to correct the trip information.
If you cannot see the app in the App Store, it's because your phone isn't supported. If you already signed up for the mobile program, please call us at to switch to the plug-in device. The app typically needs to remain on your phone through your first policy period.
We'll contact you when you complete monitoring with instructions for deleting the app. After monitoring is complete, the app no longer collects driving information. Yes, you can switch to a plug-in device by calling us at In some states, if you do choose to switch to the plug-in device, we will ask the other drivers on your policy to switch as well.
In addition to contacting your mobile carrier to discuss your plan and international implications, you should pause the app for the time period that you know you will be out of the country. Snapshot collects phone usage only while you're driving, and does not know who you're calling or otherwise contacting. The mobile app is available free of charge to Progressive Snapshot mobile customers.
Simply follow the link we provide you in your welcome email to download. From there, you can follow the instructions for registration.
For people that download the app and are not Progressive Snapshot customers — you're not able to register and use the mobile app. In some states, the mobile app is only available for new customers at the time they purchase their policy. If you live in one of those states, are a Progressive customer and would like to try Snapshot, you can call us or log in to enroll in Snapshot with a plug-in device. For people who are Snapshot customers using the mobile app — give us a call at for help with registration.
Sharing cars is fine. The program won't be affected if cars on the policy are shared among Snapshot participants. Each driver only sees their own driving data on their mobile phone. The app should work on most Android phones without any special configuration. Upon installation, the app will request access to the following:. As long as the app is installed on your phone and your phone is on during trips, it collects your driving data unless it's paused.
The app uses very minimal data. Battery use is also low when not driving. When driving, the battery use is comparable to other driving and navigation apps. If you take long car trips, we recommend charging the phone while driving. As long as the app is installed on your phone, and the phone is on, you don't need to do anything when you get in the car. The app detects the start of your trip and begins collecting information on its own. The mobile app detects movement of a certain speed and distance to determine when a trip starts.
No action is necessary on the part of the user. You can see driving reports and Snapshot performance in the mobile app. You can also view performances for all vehicles and drivers on the policy by logging in to your account.
What happens if I delete the app? We need to hear from your device regularly for your participation in the Snapshot program to continue. If we're not hearing from your app often enough, we'll send you an email with instructions to re-install the app or switch to a plug-in device to continue participation in the Snapshot program.
It's normal to occasionally notice that the app doesn't collect every trip or in some cases only captures part of a trip. There are certain situations — like low battery, sparse cell towers, etc. If you find that this is happening on the majority of your trips, please call us at for assistance.
If you notice that we miscategorized a trip, you have an opportunity in the app to correct it. The app can be paused for up to two weeks at a time. An example of a reason that you might pause the app is traveling out of the country. If we determine that the app is being repeatedly paused and we are not collecting enough trip data, you'll need to switch to the plug-in device to keep the benefits of the program. 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.
It is a nice feature that the plug-in device syncs with your phone so you can monitor your own habits. By far, though, the biggest deterrent for those customers who wrote negative reviews about Progressive Snapshot was the way it penalized them for braking their vehicles. If you demonstrate hard braking while driving, the Progressive Snapshot plug-in device will beep to alert you of your hard braking.
This is designed to provide you immediate feedback on your driving and allow you to improve, and maximize your savings from Progressive Snapshot. If you repeatedly demonstrate hard braking while using Progressive Snapshot, it will minimize the discount you receive, or in some cases, lead to higher insurance rates. One reviewer complained that they missed out on a Snapshot discount because of six speed bumps they had to go over on their commute. It would go off even if I just tapped my brakes. A different reviewer warned others to stay away from Snapshot because of the hard braking penalties.
Hard brake. If you are coming off the freeway and are slowing down. Someone cuts you off or drives into your lane too closely. A recent reviewer expressed their frustration for a hard braking beep even at a time when they felt a hard brake was good driving.
They said, "In my state every corner is an implicit crosswalk, and you're required to stop for pedestrians if they want to cross. Many people ignore this law but I've developed the habit of following it.
On the way home of my first trip with the snapshot device I came upon a woman pushing a double wide stroller presumably twins in it, waiting on corner ramp to cross a lesser 2 lane arterial in my neighborhood, so I stopped for her.
Beep beep, said the snapshot device. Hard breaking -1!. Nothing like being penalized for following the law and doing the right thing to inspire confidence.
While these specific reviewers shared negative experiences using Snapshot, a majority expressed positive sentiments about Snapshot, and many said they saw savings on their next policy. While hard braking events do happen, common driving tips indicate it should be the exception rather than the rule. Snapshot is designed to try to look for patterns as an objective, third-party resource. Some reviewers have expressed the fact that things like the beeping for hard braking have actually helped them become better drivers.
This reviewer said "I am currently using the app to receive a discount, which has made me more aware of my driving. If you're a Progressive policyholder or are looking to switch to Progressive, enrolling in this program is a great way to earn a lower personalized rate. Reviews of Progressive Snapshot on Clearsurance show some drivers have saved substantially on their auto insurance rates.
Others said they saw hundreds of dollars of savings , and another said they received a discount of almost 30 percent.
Another potential benefit that customers talk about is having their driving tracked actually made them a better driver. I really think it helped me become a better driver. However, with additional discounts, you could save even more. Visit progressive. Then, you can either download the app or wait for them to send you the dongle plug-in and premium savings will be on their way to you. How We Make Money. Grace Kim. Written by. She has ….
Edited By Morgan Chelsea Lanier. Edited by. Morgan Chelsea Lanier. Morgan Chelsea Lanier has been an insurance editor for Bankrate since Using her eight years of experience in market research and data analysis, she works hard to understand …. Reviewed By Mark Friedlander. Reviewed by.
Mark Friedlander. Director of corporate communications, Insurance Information Institute. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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We reduce industry jargon so you get the clearest form of information possible. Bankrate Logo Editorial Integrity. Key Principles We value your trust. Bankrate Logo Insurance Disclosure. What is Progressive Snapshot? Read more From Grace. She has written about auto, homeowners, renters and life insurance.
She holds an M. So… I gave them a try. One way to lower my auto insurance rate was to sign up for their Snapshot program. Their snapshot device monitors your driving for approximately six months typically your first auto policy period with Progressive. At first, this may sound creepy I mean, it really is… but it is quite cool at the same time.
Over the course of six months, I did quite well I think. I averaged 1. Not bad! Are you considering Allstate, too?
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