For Progressive you are not paying them for the device... from what they say they are not getting GPS info unless you are told...
I have looked at the data they provide... they keep track of the time you are driving and miles.... they split the days into 3 categories on I guess the likely hood of having an accident... they also keep track of how many 'hard stops' you make... the big problem I have with this is that I get a beep from the device when I am coming to a light and it changes yellow... some of the yellows around here are short and you stop 'quickly'.... and get a beep... I have now started to run the yellow so I am now a 'safer' driver....
Another beep that gets me is you are slowing down at a yield... turn a corner and hit the gas... they think you are in stop and go traffic and you get a beep...
If you insurance is pretty cheap already, I would not do it... but mine has gone up 4X due to teen and totaling out a car... (me, not the teen)....
+1 We recently moved from Chicago suburb to rural Iowa. I was shocked at how much higher the insurance is in Iowa. I got a Progressive policy and in hopes of the potential 30% premium savings agreed to the Snap Shot. I figured the six month test Oct thru March wouldn't show many miles being driven since most of our driving is during the summer months.
We have about 5 weeks to go before we send the devices back to Progressive but I can tell you it will not be worth the effort. The device will beep at even a very normal braking as described by Texas Proud. I have so far not had a single panic stop but the device will beep if you require normal braking at a stop light due to the short yellow.
I checked on line the other day and it shows a 6% discount on one vehicle and no discount on the other. Complete waste of time in my opinion.