What Does Snapshot Record?

What Does Progressive Snapshot Record?
Progressive's Snapshot Program records the following:

• How many miles you drive (less than 15,000 annual miles earns a discount).
• How often you brake suddenly.
• How often you drive between the hours of midnight and 4 a.m.

Those are the only three things Progressive takes into consideration when calculating your auto insurance discount. The less you do of all three of the above, the greater your discount will be.
There are other things that Snapshot records:

• Whether or not the device stays plugged in while it is calculating your discount. You can not unplug the device and drive hundreds of miles and think you can fool the system.
• Your speed is recorded, but contrary to popular belief, the device has no way of knowing whether or not you are speeding. That's because the device does not detect whether you are driving in a 25 mph zone or a wide open freeway.

 

What Progressive Snapshot Does NOT Record?
   There are a lot of myths out there that won't go away. Here's the truth:

• Your rate will not increase because you speed. I hear this one all the time, but many people that have a habit of speeding believe this will cause to rates to increase.... Not true! Speeding will not affect your rate or your snapshot score. (But of course, getting a speeding ticket might!)
• Trying snapshot WILL NOT raise your rates. I can say it 100 times and people still won't believe it. But rates can only go down, they can never go up.

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