Everything you want to know about Snapshot

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 you decide within the first 45 days after you sign up 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 keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount for safer driving habits or an increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply an additional increase when your policy renews.

What we use to calculate your Snapshot result

• 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.

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.

Generally, you’lldrive with Snapshot for a full policy period, which may be either six or 12 months (check your Policy Summary for details).However, if you aren’t already receiving the Snapshot Participation Discount, you have the option to finish the program after 30 days of monitoring.We’ll email your initial results after 30 days of monitoring. If you like what you see, you can call us togetyour personalized rate.Or, you can keep on driving to try and improve your results.

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 you decide within the first 45 days after you sign up 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 keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount for safer driving habits or an increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply an additional increase when your policy renews.

What we use to calculate your Snapshot result

• 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.

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 you decide within the first 45 days after you sign up 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 keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount for safer driving habits or an increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply an additional increase when your policy renews.

What we use to calculate your Snapshot result

• 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.

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

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 you decide within the first 45 days after you sign up 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 keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount for safer driving habits or an increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply an additional increase when your policy renews.

What we use to calculate your Snapshot result

• 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.

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

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 you decide within the first 45 days after you sign up 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 keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount for safer driving habits or an increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply an additional increase when your policy renews.

What we use to calculate your Snapshot result

• Hard braking—Hard brakes are decreases in speed of seven mph per second or greater. Your Snapshot device will “beep” when you brake hard. Minimize hard braking to work toward a discount.
• Amount of time driven—The number of minutes that your engine is running during a trip. To earn a discount, try to minimize your time behind the wheel by combining trips, carpooling or using public transportation.
• Time and day—The number of minutes you spend driving during higher risk hours—the highest risk are between midnight and 4 a.m. on the weekends.
• Fast starts— Fast starts are increases in speed of nine mph per second or greater. Also known as “jackrabbit starts” or just “putting the pedal to the metal.” Use a lighter foot on the gas pedal to work toward a discount.
• Trip regularity—The frequency with which you drive at the same time of day and same duration.

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 device provided by Progressive, the Snapshot experience generally occurs over a policy period:

Enrollment

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.

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.

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 unplug and return the device.

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 you decide within the first 45 days after you sign up that you no longer want to participate in Snapshot, simply return the device. You’ll lose any Participation Discount immediately, but keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount for safer driving habits or an increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply an additional increase when your policy renews.

What we use to calculate your Snapshot result

• Hard braking—Hard brakes are decreases in speed of seven mph per second or greater. Your Snapshot device will “beep” when you brake hard. Minimize hard braking to work toward a discount.
• Amount of time driven—The number of minutes that your engine is running during a trip. To earn a discount, try to minimize your time behind the wheel by combining trips, carpooling or using public transportation.
• Time and day—The number of minutes you spend driving during higher risk hours—the highest risk are between midnight and 4 a.m. on the weekends.
• Fast starts— Fast starts are increases in speed of nine mph per second or greater. Also known as “jackrabbit starts” or just “putting the pedal to the metal.” Use a lighter foot on the gas pedal to work toward a discount.
• Trip regularity—The frequency with which you drive at the same time of day and same duration.

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 device provided by Progressive, the Snapshot experience generally occurs over a policy period:

Enrollment

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.

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.

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 unplug and return the device.

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 you decide within the first 45 days after you sign up that you no longer want to participate in Snapshot, simply return the device. You’ll lose any Participation Discount immediately, but keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount or increase that falls somewhere within a maximum 20 percent discount for safer driving habits, to a maximum 10 percent increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a 10% charge when your policy renews.

What we use to calculate your Snapshot result

• Hard braking—Hard brakes are decreases in speed of seven mph per second or greater. Your Snapshot device will “beep” when you brake hard. Minimize hard braking to work toward a discount.
• Amount of time driven—The number of minutes that your engine is running during a trip. To earn a discount, try to minimize your time behind the wheel by combining trips, carpooling or using public transportation.
• Time and day—The number of minutes you spend driving during higher risk hours—the highest risk are between midnight and 4 a.m. on the weekends.
• Fast starts— Fast starts are increases in speed of nine mph per second or greater. Also known as “jackrabbit starts” or just “putting the pedal to the metal.” Use a lighter foot on the gas pedal to work toward a discount.
• Trip regularity—The frequency with which you drive at the same time of day and same duration.

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 device provided by Progressive, the Snapshot experience generally occurs over a policy period:

Enrollment

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.

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.

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 unplug and return the device.

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 you decide within the first 45 days after you sign up that you no longer want to participate in Snapshot, simply return the device. You’ll lose any Participation Discount immediately, but keep your standard Progressive rate. If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a charge when your policy renews.

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 correspond to a discount or increase that falls somewhere within a maximum 20 percent discount for safer driving habits, to a maximum 10 percent increase for riskier habits. While your driving results are set at the end of your driving period, your corresponding discount or increase percentage may change over time.

If you stop participating more than 45 days after you sign up, we’ll remove any Participation Discount immediately and apply a 10% charge when your policy renews.

What we use to calculate your Snapshot result

• Hard braking—Hard brakes are decreases in speed of seven mph per second or greater. Your Snapshot device will “beep” when you brake hard. Minimize hard braking to work toward a discount.
• Mileage— Total distance of trips. To earn a discount, try to minimize your time behind the wheel by combining trips, carpooling or using public transportation.
• Time and day—The number of minutes you spend driving during higher risk hours—the highest risk are between midnight and 4 a.m.

The details in this section apply if you signed up for Snapshot during the time period above.

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 device provided by Progressive, the Snapshot experience generally occurs over a policy term:

Enrollment

You can enroll in Snapshot when purchasing a policy or add Snapshot to a vehicle on your 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.

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 do not plug in the device within 45 days you will be automatically opted out of the program.

You’ll drive with Snapshot for the rest of the policy period, which may be either six or 12 months (check your Policy Summary for details). During this period, your driving information is shared with Progressive.

After collecting 30 days of driving data, Progressive will calculate an interim Snapshot score to determine discount eligibility and amount. Any discount will be applied to your active policy.

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 unplug and return the device.

You’ll see the Snapshot results applied when you renew your policy at the end of your driving period. This will replace the initial results applied at the 30-day mark.

Opting Out

You may end your participation in the Snapshot program at any time and return to traditional rating.

How Snapshot affects your insurance rate

Your Snapshot driving results are reviewed at two points: after collecting 30 days of data and at the end of your driving period. Safer driving habits can help you earn a discount of one percent to 30 percent. Riskier driving habits will not lead to a discount, but there is no change to your premium. While your driving results are set at the end of your driving period, your corresponding discount percentage may change over time.

What we use to calculate your Snapshot result

• Hard braking—Hard brakes are decreases in speed of seven mph per second or greater. Your Snapshot device will “beep” when you brake hard. Minimize hard braking to work toward a discount.
• Mileage— Total distance of trips. To earn a discount, try to minimize your time behind the wheel by combining trips, carpooling or using public transportation.
• Time and day—The number of minutes you spend driving during higher risk hours—the highest risk are between midnight and 4 a.m.