Progressive Snapshot

shadowx360 · 05-19-2013, 11:52 PM

Hey, I see a few threads on here about Snapshot already, but the program's changed since a few years ago. Anyways, apparently 7 mph/second deceleration is a "hard brake" and I've been getting hit with them left and right. Does anyone have any tips on how to get a discount out of this thing? Had it for 2 weeks and already racked up 17 "hard brakes" from light driving of 60 miles. I try to drive like a freaking grandma with slow accelerations/coasting to stoplights, but apparently each second spent in 7mph/sec deceleration is a hard stop, meaning one actual "hard" stop actually counts for 4-5.

I work about 2-3 miles away so I drive back and forth for lunch, and there's tons of stoplights, tourists that can't drive, and lots of merges on the way. There's also tons of camera enforced red-lights around, so I'd rather not risk getting a $150 ticket and just brake. Any pro tips? I already know the trick of unplugging it when I want to drive like a maniac (overheated my waterpump to the point of failure by driving 100 mph-125 mph on the highway for a few hours last week).

SHFT · 05-20-2013, 12:32 AM

Quote:

Originally Posted by shadowx360

Hey, I see a few threads on here about Snapshot already, but the program's changed since a few years ago. Anyways, apparently 7 mph/second deceleration is a "hard brake" and I've been getting hit with them left and right. Does anyone have any tips on how to get a discount out of this thing? Had it for 2 weeks and already racked up 17 "hard brakes" from light driving of 60 miles. I try to drive like a freaking grandma with slow accelerations/coasting to stoplights, but apparently each second spent in 7mph/sec deceleration is a hard stop, meaning one actual "hard" stop actually counts for 4-5.

I work about 2-3 miles away so I drive back and forth for lunch, and there's tons of stoplights, tourists that can't drive, and lots of merges on the way. There's also tons of camera enforced red-lights around, so I'd rather not risk getting a $150 ticket and just brake. Any pro tips? I already know the trick of unplugging it when I want to drive like a maniac (overheated my waterpump to the point of failure by driving 100 mph-125 mph on the highway for a few hours last week).

progressive snapshot is a marketing gimmick.
What a load of crap!

upstatedoc · 05-20-2013, 09:40 AM

Quote:

Originally Posted by shadowx360

Does anyone have any tips on how to get a discount out of this thing?

Throw it out the window?

KingOfJericho · 05-20-2013, 10:17 AM

Plug it into a car that doesn't move.

shadowx360 · 05-20-2013, 11:00 AM

Quote:

Originally Posted by KingOfJericho

Plug it into a car that doesn't move.

Pretty sure there is a minimum # of miles required to get a discount =/

JasonCSU · 05-20-2013, 11:43 AM

Get rid of it. Why allow to have your driving habits tracked?

KingOfJericho · 05-20-2013, 12:09 PM

to save 30%... but it's only for two months or something like that. After that, you're on your own.

JasonCSU · 05-20-2013, 12:55 PM

I know there is the potential for a discount using it, but in my opinion it is not worth giving up your privacy for it.

KingOfJericho · 05-20-2013, 01:28 PM

Think of it like your driving test. You temporarily drive like a granny to achieve your goal. It's a relatively short span of time to potentially save several hundred bucks. As others have said, if you want to speed just unplug it.

Maestro · 05-20-2013, 02:21 PM

I can not believe people fell for this thing.

Why would anyone allow the insurance company complete access to your driving habits, all that matters is, you had no claims. I drive my BWM almost to the full capabilities of the car, and I can tell you just because I hard brake does not make me a bad driver, the cars braking and acceleration performance save me a few times from idiot drivers. So progressive will fault you because the car can stop on a dine and prevent an accident.

BTW, State Farm is looking to do something similar, but they do not have to send you the thing that plugs into the car, they are going to get it from the car directly via OnStar, they told me BWM SOS is not compatible with their system

Gladius · 05-20-2013, 11:05 PM

Just watch. Eventually this will be like the grocery store "discount cards." In the future, the only way you will be able to get the "regular rate" is to use this thing; people who don't use it will automatically get higher rates. This I forsee.

SgtGigglebox · 05-21-2013, 12:23 AM

$15/month if you let me install a camera in your car... for a 'speriment'

michaelthepsycho · 05-21-2013, 06:07 AM

Penny wise, dollar foolish. You're basically an enabler.

Maestro · 05-21-2013, 11:36 AM

Quote:

Originally Posted by Gladius

Just watch. Eventually this will be like the grocery store "discount cards." In the future, the only way you will be able to get the "regular rate" is to use this thing; people who don't use it will automatically get higher rates. This I forsee.

Your crystal ball is very clear, I see.

upstatedoc · 05-21-2013, 12:59 PM

Quote:

Originally Posted by Gladius

This I forsee.

passing · 05-21-2013, 01:49 PM

i put a snapshot in my car just to see how much of a debit i can apply to my auto policy.

REDLINE FOR A GOOD TIME!!!!!!!!!

05-19-2013, 11:52 PM	#1
shadowx360 Private First Class 42 Rep 147 Posts Drives: BMW 340i Join Date: Apr 2013 Location: United States iTrader: (0)	Progressive Snapshot Hey, I see a few threads on here about Snapshot already, but the program's changed since a few years ago. Anyways, apparently 7 mph/second deceleration is a "hard brake" and I've been getting hit with them left and right. Does anyone have any tips on how to get a discount out of this thing? Had it for 2 weeks and already racked up 17 "hard brakes" from light driving of 60 miles. I try to drive like a freaking grandma with slow accelerations/coasting to stoplights, but apparently each second spent in 7mph/sec deceleration is a hard stop, meaning one actual "hard" stop actually counts for 4-5. I work about 2-3 miles away so I drive back and forth for lunch, and there's tons of stoplights, tourists that can't drive, and lots of merges on the way. There's also tons of camera enforced red-lights around, so I'd rather not risk getting a $150 ticket and just brake. Any pro tips? I already know the trick of unplugging it when I want to drive like a maniac (overheated my waterpump to the point of failure by driving 100 mph-125 mph on the highway for a few hours last week).
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05-20-2013, 10:17 AM	#4
KingOfJericho Major General 2458 Rep 7,341 Posts Drives: Yes Join Date: Aug 2007 Location: CT iTrader: (1) Garage List 2010 135i Coupe [5.26]	Plug it into a car that doesn't move. __________________ The views and opinions expressed in this post are those of the author and do not necessarily reflect the official policy or position of Bimmerpost. 2018 Jeep Grand Cherokee High Altitude Hemi \| 2010 S4 Sold \| 2010 BMW 135i Retired \| 2006 Lotus Exige Sold
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05-20-2013, 11:43 AM	#6
JasonCSU Colonel 705 Rep 2,548 Posts Drives: '08 135i, '88 325is Join Date: Feb 2008 Location: Denver, CO iTrader: (0) Garage List 1988 BMW 325is [0.00] 2008 BMW 135i [0.00]	Get rid of it. Why allow to have your driving habits tracked? __________________ Delivered in Munich, broken in on the Nurburgring.
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05-20-2013, 12:09 PM	#7
KingOfJericho Major General 2458 Rep 7,341 Posts Drives: Yes Join Date: Aug 2007 Location: CT iTrader: (1) Garage List 2010 135i Coupe [5.26]	to save 30%... but it's only for two months or something like that. After that, you're on your own. __________________ The views and opinions expressed in this post are those of the author and do not necessarily reflect the official policy or position of Bimmerpost. 2018 Jeep Grand Cherokee High Altitude Hemi \| 2010 S4 Sold \| 2010 BMW 135i Retired \| 2006 Lotus Exige Sold
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05-20-2013, 12:55 PM	#8
JasonCSU Colonel 705 Rep 2,548 Posts Drives: '08 135i, '88 325is Join Date: Feb 2008 Location: Denver, CO iTrader: (0) Garage List 1988 BMW 325is [0.00] 2008 BMW 135i [0.00]	I know there is the potential for a discount using it, but in my opinion it is not worth giving up your privacy for it. __________________ Delivered in Munich, broken in on the Nurburgring.
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05-20-2013, 01:28 PM	#9
KingOfJericho Major General 2458 Rep 7,341 Posts Drives: Yes Join Date: Aug 2007 Location: CT iTrader: (1) Garage List 2010 135i Coupe [5.26]	Think of it like your driving test. You temporarily drive like a granny to achieve your goal. It's a relatively short span of time to potentially save several hundred bucks. As others have said, if you want to speed just unplug it. __________________ The views and opinions expressed in this post are those of the author and do not necessarily reflect the official policy or position of Bimmerpost. 2018 Jeep Grand Cherokee High Altitude Hemi \| 2010 S4 Sold \| 2010 BMW 135i Retired \| 2006 Lotus Exige Sold
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05-20-2013, 02:21 PM	#10
Maestro Major 1074 Rep 1,268 Posts Drives: 2007 335i Sedan, 2021 X3 Join Date: Nov 2006 Location: Philadelphia iTrader: (0)	I can not believe people fell for this thing. Why would anyone allow the insurance company complete access to your driving habits, all that matters is, you had no claims. I drive my BWM almost to the full capabilities of the car, and I can tell you just because I hard brake does not make me a bad driver, the cars braking and acceleration performance save me a few times from idiot drivers. So progressive will fault you because the car can stop on a dine and prevent an accident. BTW, State Farm is looking to do something similar, but they do not have to send you the thing that plugs into the car, they are going to get it from the car directly via OnStar, they told me BWM SOS is not compatible with their system Last edited by Maestro; 05-21-2013 at 11:37 AM..
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05-20-2013, 11:05 PM	#11
Gladius Two Wheels or Four? 96 Rep 655 Posts Drives: '18 Perf Edition m240i Join Date: Mar 2007 Location: Colorado iTrader: (1)	Just watch. Eventually this will be like the grocery store "discount cards." In the future, the only way you will be able to get the "regular rate" is to use this thing; people who don't use it will automatically get higher rates. This I forsee. __________________ Current: '18 AW Performance Edition m240i Gone: '15 Mineral Grey m235i \|\| '07 Silver Grey M Coupe \|\| '11 Space Grey 328i XDrive \|\| '08 SparkG M3 \|\| '01 LSB M3 \|\| '01 TiAg 330ci
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05-21-2013, 12:23 AM	#12
SgtGigglebox Lieutenant 112 Rep 494 Posts Drives: '13 Atacama 35is Join Date: Sep 2012 Location: Washington D.C. Area iTrader: (0)	$15/month if you let me install a camera in your car... for a 'speriment'
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05-21-2013, 06:07 AM	#13
michaelthepsycho Lieutenant Colonel 81 Rep 1,644 Posts Drives: 11 Montego Blue E90 335i Step Join Date: May 2009 Location: CA iTrader: (4)	Penny wise, dollar foolish. You're basically an enabler. __________________ Former car 2011 BMW 335i Step - Montego Blue / Chestnut Brown
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05-21-2013, 01:49 PM	#16
passing hey 60 Rep 476 Posts Drives: caprice wagon Join Date: Jul 2012 Location: cruisin down the street in my '64 iTrader: (5)	i put a snapshot in my car just to see how much of a debit i can apply to my auto policy. REDLINE FOR A GOOD TIME!!!!!!!!!
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