Hello! I'm Dan Lyles with Lyles Insurance. In this video, I'm going to talk about my experience with the Progressive Snapshot discount program, and how I was able to save 11% on my auto insurance policy.
For many drivers, Snapshot is a great way to save money on your auto insurance policy. However, I've noticed that a lot of drivers are hesitant to try it for whatever reason. So, I decided to be the guinea pig myself, and I just finished my six-month evaluation, and I want to tell you a little more about that. Just so you know I already had a Progressive auto insurance policy before I started the snapshot. However, this is available to both existing and new Progressive customers.
It's very simple to know whether or not you're a good candidate for the Snapshot discount. All you need to know is the four things that Progressive uses to evaluate your driving habits. And what they like is low mileage. They like to see you drive your vehicle less than an average of 30 miles a day, or 210 miles per week. Also, what they don't like. They don't like you stomping on the brakes, stomping on the gas, or driving between the hours of midnight and 4:00 a.m. If you can keep your mileage low and refrain from doing those things, you're going to be an ideal
candidate for the snapshot discount.
So from the previous screen, you probably have a good idea whether or not you're a good candidate. To get started with the Snapshot program: If you're a current Progressive customer, all you need to do is give your agent a call. It only takes a few minutes to sign up. And after about six months, any discount you earn will be applied at your next renewal period. Now,
for new customers it gets even better. You get a quote with Progressive and buy a policy. They will apply an initial discount just for trying the Snapshot. So for both existing and new customers it's very easy to sign up.
There are two ways to install Snapshot. The most common way is to just install the device. Once you sign up, Progessive will mail you the device within a few days. You simply plug it into your diagnostic port and drive for six months. That's it! They will also pay to have it mailed back to them at the end of the evaluation period. And this isn't available yet except in a few states, but some of you have the option of installing a phone app instead, to
where you just take your cell phone with you whenever you drive.
As you can see here, the device is very small. Plugs right into your diagnostic port, which for most vehicles is located somewhere under your steering column.
So here were my results at the end of the evaluation period. You'll see I did pretty well on most of them. High risk driving time (that's driving between midnight and 4:00 a.m.): Other than a couple late night fast food runs, I never drove between midnight and 4. So I did good there, only averaged a little over a minute per week. Miles driven: This is where I scored really high because I averaged less than 50 miles a week. Now full disclosure here: I do work at home and I live in a small town. So not having to commute to work and not having far to go really helps in that regard. Now hard breaking: I did get flagged with that quite a bit. I could have done better. Averaged a little more than once a week there. But I didn't get caught slamming on the gas pedal any. So I did very good there.
So as far as savings, my premium dropped from 209 dollars down to 186 dollars, which saves 11%. 11% is a significant discount. Now, I drove a fifteen-year-old Chrysler vehicle and I only carry liability coverage on it. For those of you who have comprehensive and collision coverage on your vehicle, you probably have the opportunity of saving a lot more.
OK. So, if you're ready to try Progressive snapshot out for yourself: As I mentioned before, if you're already a Progressive customer, just give your agent a call. It's real easy for new customers: If you live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, and would like a quote with Progressive, I'll be happy to help you with that. I provided a link on my website to get a quote. Or, I've also provided my phone number if you want to just get a quote by phone. Thank you for watching and have a great day!
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..