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Progressive’s Snapshot & Allstate’s Drivewise a Cool Way to Lower Your Car Insurance if You Don’t Brake Hard, Drive at Night, or Speed.

Car monitoring programs are becoming increasingly popular with insurance companies. The idea behind this device is that people can use car monitoring programs to get a personalized rate for their insurance rather than grabbing a predetermined program off the shelf, which can often mean paying more than they need to for their coverage.

These programs provide customers with a device that is plugged into the dashboard of their car. This device is capable of tracking different aspects of their driving habits. Understanding how these programs work will help you decide if they are worth looking into for additional insurance savings.

Progressive’s Snapshot

The Progressive Snapshot is intended to help drivers provide a more accurate picture of their driving habits, ideally so they can get discounts on their insurance premium.

Here is what Snapshot’s data collected would look like:

A picture of data collected by Progressive's Snapshot Device including the time of day driving

Information Gathered by Progressive’s Snapshot Device

Here are the benefits…

  • The Snapshot device plugs into the diagnostic port on the steering column, allowing the device to monitor the driver’s regular habits.

 

  • Customers can get a personalized insurance rate based on the data gathered by the Snapshot device. The data will be compiled over five months to set ongoing renewal rates and earn the customer discounts as the company sees fit.

Graph of High Risk Driving Times Recorded

  • This is a screenshot of high risk driving times data collected by Progressive's snapshot. Showing Friday, Saturday, & Sunday are high risk driving times.

    High risk driving times data collected by Progressive’s Snapshot. As you can see driving on Friday, Saturday, & Sunday are high risk driving times especially at night.

  • Items that are considered dangerous or that increase the risk of an accident will limit your ability to earn a discount. This includes things like driving large distances without a break, driving between midnight and 4 am or slamming on the brakes. However, nothing noted by the Progressive Snapshot program will cause your insurance premium rate to go up.

  • Snapshot is not available for commercial vehicles. However, Progressive is willing to provide an alternative discount program for their needs.

  • The Snapshot program will take note of your VIN number and whether or not it is plugged in. You will receive an alert if the program is not plugged in the way it should be.

  • Snapshot is not designed to determine if you are speeding because it does not contain any GPS technology that will allow the device to determine the speed limit at which you are driving.

  • Drivers can log into their Progressive policy to get an overview of their driving habits from the Snapshot program, or to ask the device to review specific trips, times of the day or days of the week to get a better feel for how you drive.

You can use the Snapshot device on a trial basis, regardless of whether or not you are a Progressive customer. Before officially joining the Snapshot program or switching your insurance to Progressive, customers can use the device for 30 days. The data will then be compiled to give drivers an idea of whether or not this program will be able to save you money.

States Which Do Not Offer Progressive’s Snapshot Program

Alaska Car Insurance Minimums
California Car Insurance Minimums
Hawaii Car Insurance Minimums
Indiana Car Insurance Minimums
North Carolina Car Insurance Minimums

Drivewise by Allstate

Drivewise is Allstate’s answer to the Snapshot program, offering a similar service to drivers that are interested in getting a personalized quote for their auto insurance.

Data Collected by Allstate’s Drivewise

This is a screenshot of data collected by Allstate's drivewise showing mileage, braking, top speed.

Data collected by Allstate’s Drivewise showing Mileage, Braking, Time of Day Driving, & Top Speed.

  • Like the Snapshot, those that participate in the Drivewise program will be given a small device that plugs into the dashboard. This will allow Allstate to monitor your driving habits to determine if you are eligible for a discount on your basic insurance rates.

  • Once the Drivewise program is installed it will track your habits behind the wheel. You can review this data within your Allstate account to determine if it will be helpful in adjusting your insurance rates.

  • Stops will be monitored to ensure that they are made safely. Those that avoid slamming on the brakes will be eligible for additional discounts.

  • Unlike the Snapshot program, Drivewise will monitor your speed. However, it will not monitor whether or not you are speeding as the device does not use GPS technology to track the position of your vehicle. Those that tend to drive at low speeds will be eligible for a larger discount.

  • Those that drive fewer miles each day will be eligible for larger discounts. Allstate looks for drivers that drive less than 40 miles each day to earn these benefits.

  • People who do not drive late at night are also eligible for increased discounts. This means staying off the road between 11 pm and 4 am on weekdays and 11 pm to 5 am on weekends should earn you more discounts on your insurance premium.

Data Collected Such as Braking, Top Speed, & Time of Day

This is a screenshot of Allstate's drivewise collecting data from a driver with 3 hard braking events, top speed, and how many miles driven.

A screenshot showing braking events collected by Allstate’s Drivewise and miles at speed above 80 MPH.

Drivers are also eligible to get as much as 10 percent off their insurance costs simply by enrolling with the Drivewise program. If you are willing to renew your Drivewise program after the trial program is finished you will be eligible to earn an additional 30 percent off your bill, based on the results of your monitoring.

25 States Which Allstate’s Drivewise is Available

1Alabama
2Arkansas
3Delaware
4Georgia
5Hawaii
6Iowa
7Idaho
8Kansas
9Kentucky
10Louisanna
11Maine
12Mississippi
13Montana
14North Dakota
15New Hampshire
16New Mexico
17Rhode Island
18South Carolina
19South Dakota
20Texas
21Virginia
22Vermont
23Wisconsin
24West Virginia
25Wyoming
26Washington D.C.

Up to 60 Percent Discount?

Those that earn the full discount from the Drivewise program can earn as much as 60 percent off their insurance costs. This is partially due to the fact that the safe driving habits noted by the Drivewise program will make customers eligible for additional discounts from Allstate. Occasionally participants will be given the opportunity to take surveys that will allow Allstate to provide you additional discounts.

Considerations when Joining a Program

Some people are uncomfortable with the idea of using a monitoring program to earn insurance discounts.

  • Driving late at night on the weekend may raise the implication that you have been to a bar.

  • Different programs use different monitoring devices, changing the data that will be collected.

  • Your auto insurance can be raised on Snapshot or Drivewise

Additional Usage-Base Car Insurance Programs

Auto Insurance Company Usage - Based Program NameStates Available
The Hartford TrueLaneAll states except Alaska, California, Florida, Hawaii, Louisiana, Massachusetts and Montana.
National GeneralLow Mileage DiscountAll states except Alaska, Arkansas, California, Connecticut, Delaware, Hawaii, Iowa, Kansas, Maine, Massachusetts, New Jersey, North Carolina, North Dakota and Vermont.
NationwideSmartRideAlabama, Arizona, Arkansas, California, Colorado, District of Columbia, Delaware, Florida, Illinois, Kentucky, Maryland, Michigan, Mississippi, Missouri, New York, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia and West Virginia.
SafecoRewindAll states except Alaska, California, Delaware, Florida, Hawaii, Maine, Massachusetts, Michigan, New Jersey, New York, North Carolina and Rhode Island.
State FarmDrive Safe & SaveAll states except Massachusetts and Rhode Island.
TravelersIntellidriveAlabama, Connecticut, Indiana, Illinois, Maine, Ohio, Oregon and Virginia.
EsurancePay Per MileOregon

And Final Thoughts

It is not uncommon for programs to monitor driving. Understanding what data will be collected and what rights you have to protect your privacy can help you feel more comfortable using these types of programs. The effects and savings that come with using a driver monitoring program will vary based on the company you choose to partner with.

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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