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Also, the family car is driven a lot more, so that might impact the rate that results from Snapshot. I decided NOT to put it on the family car because my daughter is a new driver and I didn’t want to stress her out with the monitoring or risk having our insurance go up from a few rookie moves behind the wheel. I decided to put Progressive Snapshot on my car because I drive very little and almost never in the middle of the night. Photo: Scotty Reiss Who Snapshot is Good For, and Who It’s not And, the site says they will not use data collected by Snapshot in assessing a claim if your car is damaged in an incident. Progressive does collect other data for its own internal assessment, and if you ask the company to provide more data for, say, defending yourself after a crash, they will try to accommodate. Hard braking, fast starts, amount of time driven and time of day you drive.

While it’s possible for Snapshot to track where you go, when you go, your speed, lane changes, whether you roll through stop signs and more, including when you break the speed limit, it doesn’t. It was a good reminder to know that I was being tracked on each trip. Once it was installed, and every time I started the car, it gave me a quick double beep to signal that it was working. The device easily installed I simply pulled the cover off the OBDII port and plugged it in. Photo: Scotty Reiss What Snapshot Measures, and What it Doesn’t The Snapshot device, which plugged right into the OBDII port. By opting for Snapshot I immediately got a discount, a multi-vehicle discount, of $25. I opted to put Snapshot only in my car, and to use the plug-in device rather than the app since I frequently drive cars other than my own. We have three drivers- one in college- and two cars. I was offered Progressive Snapshot when I renewed my family’s car insurance. Further reading: How to save on your next car by buying through Costco Snapshot’s Instant Discount-Get This Just By Signing Up It takes about 6 month of data for Progressive to determine how the report will affect your policy, for good or bad. It sends that data to Progressive through cell signals and a report is created. Once Progressive Snapshot is plugged in or downloaded, it collects basic performance data and your location via GPS. Progressive, like many other insurance companies including State Farm and USAA, offer a tracking device that plugs into your car’s OBD II (onboard diagnostics II) port or offers a phone app that tracks your driving. Photo: Scotty Reiss How Progressive Snapshot Works

Snapshot was delivered in this box, complete with instructions.