Progressive Insurance "Snapshot"

Discussion in 'The Club House' started by Bigcountry02, Oct 12, 2010.

  1. Bigcountry02

    Bigcountry02 Coffee! If your not shaking, you need another cup Supporter

    7,238
    38
    48
    You need to watch the video and/or read the article. I thought the article was BS, nope! I have added progressive website on the product.

    Progressive: Lower rates if they can spy

    Snapshot

    What is "Snapshot"

    Now, Progressive is taking it further, offering drivers in Ohio, Kentucky, and 20 states a program called "Snapshot," that provides discounts up to 30 percent. (It is not yet available in Indiana or Florida).

    The Catch

    There's one catch. You have to let Progressive install a gadget under your dash to monitor and transmit your driving habits.

    Company spokesman Richard Hutchinson told us, "This is a new approach to auto insurance. It allows you the consumer to share your driving to get a discount."

    He says after the first 30 days, your rates will go down, as much as 30 percent, if Snapshot finds you:

    •Drive at reasonable speeds, without jackrabbit starts
    •Avoid hard stops
    •Don't drive late at night
     
  2. ScottG

    ScottG New Member

    1,614
    0
    0
    They also wanted to run a credit check before offering me a policy about ten years ago. I hung up the phone....
     

  3. lonyaeger

    lonyaeger New Member

    10,270
    0
    0
    Here's a thought........THEN DON'T BUY YOUR INSURANCE FROM PROGRESSIVE!
     
  4. Yunus

    Yunus New Member

    5,250
    0
    0
    I think it's a great idea. Remember this is voluntary and a business implementing it, not the government. You have a choice to save more money if your a good driver.

    I would never choose this as my rates would likely skyrocket. :)
     
  5. cpttango30

    cpttango30 New Member

    13,934
    3
    0
    OMG what who ever thought of doing that guys.

    I'm like yunus living in the dc metro area is not conductive to driving the speed limit, no jackrabbit starting, and not driving late at night. TO get to dc at a decent hour you have to leave my house at 4am.... If you don't jump off the line like a pro stock car then you libel to get someone rear ending you. If you drive the speed limit I know someone with rear end you. on I-95 the right lane is 70 middle lane is 75 and the left lane is 85+ and the speed limit is 65 for the most part....
     
  6. cpttango30

    cpttango30 New Member

    13,934
    3
    0
    you do relize that everything you say and do on the internet is recorded for EVER.... You better get off before the black army cia choppers come to get you.
     
  7. notdku

    notdku Administrator Staff Member

    6,288
    8
    38
    I feel conflicted. I like paying less, but don't want them to know where I'm going. Hmmmm.
     
  8. Highpower

    Highpower New Member

    1,546
    0
    0
    On the other side of the coin, the insurance companies can use your car against you already if you've been in an accident. The engine control computer in your car stores all that data into memory whenever it detects a fault in the system. And there will be several faults that pop up in any decent fender bender. The little black box is an eyewitness as to what was going on with the car when it happened. We had plenty of insurance adjusters come and pull the computer out of wrecked vehicles they were processing claims on.

    The car companies do the same thing on some warranty claims. Had a gal come in one day with a new (1 month old) V-6, six speed coupe that she claimed "just stopped running" as she was driving down the highway on her way home from work one evening. We were all a bit suspicious about her story after we opened the hood and looked at the engine. Seems half the connecting rods were now outside the engine block - instead of being on the inside. :rolleyes:

    We pulled up the data from the computer and noticed in particular, two parameters right off the bat.
    Vehicle speed: 128 MPH
    Engine speed: 10,342 RPM
    Note: Red line on the tach is 6,200 RPM

    We finally got her to admit that her boyfriend "borrowed" the car one night and it never came back. Seems he was out on the highway having some fun and ran up on some traffic and downshifted in a hurry to slow down.
    From 6th gear into 2nd...........

    Oooops! :eek:
     
  9. ScottG

    ScottG New Member

    1,614
    0
    0
    Well, I obviously didn't because.... I HUNG UP.

    Good day to you, sir.
     
  10. Highpower

    Highpower New Member

    1,546
    0
    0
    I hate to mention it, but I'm quite sure your current insurance company has already done that at least once since you signed up.

    What does it matter is they ask up front?
     
  11. mrm14

    mrm14 Active Member

    2,705
    3
    38
    I've had Progressive insurance since 1996. I insure a few 2 ton company trucks and my personal vehilce through them. I've not been notified of this probably because I carry a commercial policy which by the nature of the larger trucks already costs $$$$$. So far they've always been a good company to deal with and their rates, for what I have to insure are very, competitive.

    Also, I've often wonder about that OnStar on my 2008 GMC. The way it works I believe ifno is there to let anyone who is interested know where the vehicle is, how fast it is traveling, what time of day it's being used, how I stand on the gas, etc... Hell, I get an e-mail every month letting my know the tire pressure, how much life I have left in the oil, and one time it told me that my gas cap was loose.
     
    Last edited: Oct 12, 2010
  12. lonyaeger

    lonyaeger New Member

    10,270
    0
    0
    You have a good day too!
     
  13. Overkill0084

    Overkill0084 Active Member

    4,910
    2
    38
    Progressive isn't just a name, it also describes corporate political leanings. I can't find the specifics, but the founder is a huge lib IIRC. The info on the web site is surprisingly vague.
    Current and former military should check out USAA if you haven't already. I pay dramatically less for much better coverage.
    Note: If you want USAA motorcycle insurance, it ends up being Progressive. Wasn't that a lovely surprise...Can't win them all.

    Unless stated otherwise, nearly all insurance companies check your credit history these days. That was another hit against Progressive in my eyes. they dinged me for my credit score, yet when I go to buy a truck, the salesman tells me I can have any car in the place, my credit was that good (748). Yet somehow Progressive treated it as inadequate. When I called to question it, I got a lot of non-answers. Fine, it was time to shop around for rates again.
     
  14. lonyaeger

    lonyaeger New Member

    10,270
    0
    0
    I guess I don't understand why everybody is complaining about Progressive so much when they have so many other options available to them. I could see if they were forced to buy from a monopoly, but that's not the case here.

    I meant no disrespect to anyone when I said not to buy from them. But, jeezus, if you don't like them, their politics, their commercials, the ad chick, or their insurance......then vote with your feet and go somewhere else.

    Am I just missing something here?
     
  15. amoroque

    amoroque New Member

    1,229
    0
    0
    here is an email forward I got regarding Progressive recently:

    This is a heads up regarding Progressive Auto Insurance. You know who they are. They are the ones with the clever television ads featuring the perky brunette actress all dressed in white. What you might not know is that the chairman of Progressive is Peter Lewis, one of the largest funders of the left in America . He’s your typical rich spoiled kid who took over the company from his father and apparently feels “guilty” for his success and now dedicates himself to making it impossible for anyone else to become wealthy.

    Between 2001 and 2003, Lewis funneled $15 million to the ACLU, the group most responsible for destroying what’s left of America ’s Judeo-Christian heritage. Indeed, Lewis is himself a ACLU member. One of the ACLU projects he earmarked his funds for was an effort to sue school districts that have drug-testing policies. In other words, this idiot wants teachers to be able to use drugs without fear of exposure. I wonder what he would think if all his own employees came to work drugged out every day.

    Lewis also gave $12.5 million to MoveOn.org and American Coming Together, two key components of the socialist left. The former group is perhaps the main group used by the Obama forces to organize their activists; the latter group is a 527 political action group that essentially served as a front for the SEIU union thugs who ran ACORN. His funding for these groups was conditional on matching contributions from George Soros, the international socialist who finances much of the Obama political network.

    It’s disturbing that Lewis made a fortune as a result of capitalism but now finances a progressive movement that threatens to destroy the free enterprise system. He reminds me somewhat of Armand Hammer, the former head of Occidental Petroleum, who did business with Joseph Stalin and become his good friend around the same time Stalin was executing business men all over the USSR .

    What angers me further is the way this company is targeting television shows watched by conservatives such as Fox News. Peter Lewis is making a fortune off of conservative Americans so that he can destroy our country. He’s banking on no one finding out who he is. I think it’s time we expose this clown.






    =
     
  16. ScottG

    ScottG New Member

    1,614
    0
    0
    No, not really. But I guess the all caps part set me off. As for what Highpower said, I'm not sure, because I've never seen a query from my insurance on my credit reports. I did one a couple of years ago.

    What I'm getting at is what does my credit record have to do with my driving ability? Nothing as far as I know. If the economy tanks and I lose my job and miss a few payments on credit cards and the house, do I immediately become a stupid, unsafe driver? Nope. That's why I don't like Progressive, you guys seem to have other reasons. Do other insurance companies want to do a credit check? I don't know because I've been with my current company for over ten years and I have no plans to change.

    Good day to everyone!
     
  17. lonyaeger

    lonyaeger New Member

    10,270
    0
    0
    They think that a person's credit profile gives them insight into whether or not a person might have a propensity for insurance fraud or whether or not they are a good or bad risk. Seriously.

    I know, it sucks, but it's true. The same goes for your homeowner's insurance. They could cancel it if your credit profile takes a bad turn.
     
  18. Bigcountry02

    Bigcountry02 Coffee! If your not shaking, you need another cup Supporter

    7,238
    38
    48
    They have been circling and the SUV's are around the corner!
     
  19. amoroque

    amoroque New Member

    1,229
    0
    0
    I've never seen a Homeowners policy be cancelled for credit, but I have seen the rates increase.

    Everything in the insurance industry is HIGHLY regulated. People with poor credit have more claims. There are statistics that prove this. Just like males under age 25 have more accidents.

    I do agree with you it sucks.
     
  20. Highpower

    Highpower New Member

    1,546
    0
    0
    Quoted for truth.

    NOTE: Tongue planted firmly in cheek here....

    If you don't carry enough coverage on your vehicle and you end up totaling Johnny Cochran's new Bugatti Veyron, (even the best drivers have accidents) guess who he's going to sue when he learns you can't afford to pay the difference on having his vehicle repaired?

    And speaking of homeowners insurance -- I just got the renewal notice on my policy the other day. This is another reason they check your credit scores:

    [​IMG]