Knowing How To Get Progressive Snapshot Discount is important because once you have had an active Snapshot account for a certain period (usually six months, the length of a typical usage-based insurance policy), the company will look at the data collected. If you have proven yourself to be a safe driver, you will see a decrease in your premium.
Can Progressive Snapshot Decrease Rates?
New Progressive policyholders can receive a participation discount for enrolling in the Snapshot program. Progressive claims an average $26 enrollment discount and an average $145 annual savings for Snapshot users. A discount takes effect after completing the initial six-month monitoring period and renewing your policy for another six-month period.
It is important to note that because Progressive bases rates on driving data collected using the Snapshot app or plug-in device, your premium could actually increase if your driving habits are poor.
How much money can I save with Progressive Snapshot?
On average, drivers who enroll in Progressive Snapshot save up to $145 per year on insurance premiums. However, with additional discounts, you could save even more.
How To Get Progressive Snapshot Discount
Here is How To Get Progressive Snapshot Discount, with handy advice that will ultimately save you money on your car insurance premiums.
1: Limit hard brakes and accelerations: Go easy on the gas and avoid slamming your brakes.
2: Avoid late night driving: Limit trips between 12-4 a.m. on weekends, as the roads can be more dangerous then.
3: Drive less overall: If you’re a low-mileage driver or able to carpool, you could save more.
4: Stay off your phone: Avoid texting, calls, or other handheld phone activity to stay safe and boost your discount.
5: Avoid problematic roads: Some roads and highways are prone to stop and go traffic that will cause you to have a hard brake. Some roads have very fast speeds but also have stoplights (McCarran Blvd if you’re from Reno). These types of roads can give you issues and caused me to get several hard brake penalties.
To get the most out of the Snapshot discount, it will be important to monitor the number of miles you drive during the snapshot recording. If you must drive a lot of miles, especially if you use the vehicle for reasons that it would not normally be used, such as a trip out of state for a funeral, the Snapshot for your account is going to reflect a greater number of miles traveled.
Your premiums will not increase based on the results of the Snapshot, but you could save money if the results are favorable.
After driving normally with the Snapshot device installed for a month, you can elect to keep using the Snapshot program or go back to the old method of calculating your premiums.
For some people, Snapshot may not be able to create a savings to make it worth having, but others could see a major reduction in the cost of their premiums by becoming enrolled in the Snapshot program.
There are also other ways to get cheaper auto insurance that you should keep in mind as you experience different events in your life.