February 15, 2020 to Present

The details in this section apply if you signed up for Snapshot during the time period above. (If you added Snapshot to an existing policy within a year of the starting date for this period, then your Snapshot experience may fit under one of the prior time periods below. Please call 1-877-329-7283 for assistance if you have any questions.)

Scroll down to see the Snapshot details for other time periods.

Your Snapshot Experience

For customers who come to Progressive with a full set of driving data available from a Progressive-approved source, the Snapshot experience is essentially complete at time of enrollment. The Snapshot results are calculated and applied at that time. No additional steps are needed.

For customers who share driving data through a plug-in device or a mobile app provided by Progressive, the Snapshot experience generally occurs over a policy period:

Enrollment

You can enroll in Snapshot at any time.

Enrollment is required by all drivers (mobile app) or all eligible vehicles (plug-in device). The monitoring method cannot be a mix of mobile app and plug-in device.

If you enroll in Snapshot when you buy your policy, you’ll save immediately with a Participation Discount. The Participation Discount does not apply when Snapshot is added to a vehicle on an existing policy.

If you participated in a Snapshot test drive prior to purchasing your policy, your test drive results will be applied at time of purchase and remain in place for your first policy period.

Driving Period Your participation in Snapshot begins when you start sharing your driving data.

Subject to certain eligibility requirements, you may choose to share your driving data with us using either a device that plugs into the OBD port on most vehicles or, a mobile app.

Plug-In Device: You’ll receive a Snapshot device in the mail about five to seven days after you sign up. Plug in the device and start driving with Snapshot as soon as you can. If you don’t want to plug in the device, simply return it. If you enrolled when you bought your policy, you must plug in within 45 days or you’ll lose any Participation Discount.

Mobile App: You’ll receive instructions on how to install and register the app. Register the app as soon as you can. If you enrolled when you bought your policy, you must register the app within 45 days or you’ll lose any Participation Discount.

You’ll drive with Snapshot for a full policy period, which may be either six or 12 months (check your Policy Summary for details).

Snapshot Results You’ll get an email when we have enough information to calculate your Snapshot results. That email will also let you know that you can either unplug and return the device or uninstall the mobile app.

You’ll see the Snapshot results applied when you renew your policy at the end of your driving period. This will replace any Participation Discount or initial results from a vehicle that participated in a Snapshot test drive.

Opting Out If at any point you decide that you no longer want to participate in Snapshot, simply return the device or uninstall the mobile app. You’ll lose any Participation Discount immediately, but you’ll keep your standard Progressive rate.

How Snapshot affects your insurance rate

If you enroll in Snapshot when you buy your policy, you’ll save immediately with a Participation Discount. If you continue to participate in the program, the discount will remain on your policy until your first policy renewal.

Your Snapshot driving results are set at the end of your driving period. These results determine whether you have earned a discount off your rate. While your driving results are established at the end of your driving period, your discount percentage, if any, may change over time.

What we use to calculate your Snapshot result

Hard braking

Amount of time driven

Time and day

Fast starts

Trip regularity

Distracted Driving

• Hard braking—Hard brakes are decreases in speed of about seven mph per second or greater.
• Amount of time driven—The number of minutes that you spend driving.
• Time and day—The number of minutes you spend driving during high risk hours between midnight and 4 a.m. on the weekend.
• Fast starts— Fast starts are increases in speed of about nine mph per second or greater.
• Trip regularity—The frequency with which you drive at the same time of day and same duration.
• Distracted Driving—The amount of time of handheld phone use while driving. This applies to customers who participate in Snapshot using the Snapshot mobile app on phones with sufficient technology.