Progressive Auto Insurance - Page 4

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Claims are really difficult to collect
Posted by Perick on 01/05/2011
After several years of driving with no claims I had an accident with my commercial vehicle, My truck was deemed a total loss according to progressive's appraiser/adjuster and was valued at $7167 minus the deductible I got $6323.00 I had a year old engine and two month old tires so I asked to keep the truck they sold it to me for $2095.00 so I only got $4228.00 I ended up paying out-of-pocket $1050.00 in towing it from the accident and another $400.00 to tow it from their shop. On top of that after they paid the claim they threatened to put a stop payment on the check if I did not registered the vehicle as a salvage. I really thought that after being a loyal customer they were going to be more helpful but once I got into the accident they became rude and argumentative. As soon as my policy expires I'm changing to another company.

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Posted by trmn8r on 2011-01-06:
What exactly is your complaint? The vehicle was a total loss, so a salvage title is appropriate. If you did not have towing coverage, you would have to pay that.

How were they "rude and argumentative"?
Posted by Whiteduck on 2011-01-06:
Yeah, I think putting a salvage title on it is a legal requirement. It should be in any case. How would you like to have paid top dollar for a used truck only to find out it had been totaled and thrown back together?
Posted by Nohandle on 2011-01-06:
I've heard a few war stories about salvaged vehicles. Some were actually sold by honest (there are a few) used car dealerships. There was no record of damages when doing a history search. It was unknown the vehicle had been repaired because no claim was ever filed with insurance and the repairs done by a backyard mechanic. It does happen.
Posted by Can't return home on 2012-05-09:
new policy holder, my van was stolen Progressive had me sign over title. I have been waiting for over 70 days for settlement. They are still investigating??? Obvisously, my van was a TOTAL Loss. I have no vehicle to return home. Should I get a lawyeer?
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Progressive Insurance is pathetic
Posted by Luap on 12/29/2010
Progressive Insurance is pathetic. Their claims adjuster in the Phoenix Arizona (Ryan Donovan, 623-474-1548) area is not accepting responsibility for the damages caused when their insured backed into my truck in a strip-mall parking lot on December 23rd. I am convinced that Progressive and this agent are pushing me back to make the claim against my own insurer due to the simple fact that no police report was filed. There is no proof or witness that can be called against them on this so they simply refuse to do the honest and honorable thing which is to pay for the damages. There was no debate as to the cause of the accident. The agent (Ryan Donovan) would not state that the insured (Angela Jordan) denied backing into my vehicle. He would only say that her statement did not exactly match my statement regarding the incident. Now I’m no expert in these matters and certainly it was a mistake to not have the police come. I probably made other mistakes of oversight too but I naively believed that a nationally recognized insurance company like Progressive would not resort to this sort of underhanded measure to keep from paying a few hundred dollars to fix my truck. I would and will be very wary of ever doing business with Progressive. I do not believe them to be an organization built on ethics.
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Posted by tnchuck100 on 2010-12-29:
DO NOT LET THEM WIN! Take them to small claims court. Do not cash any check they send you. Those checks have a statement that releases them of any further liability.

You need to edit out the names before the site admin catches it and deletes your review.
Posted by spiderman2 on 2010-12-29:
As much as you don't want to, you may need to get your insurance company involved. Remember, Progressive's contract is with the other person involved and apparently he/she isn't telling the same story. However, if their insured was backing up and hit you, the liability is pretty clear cut.
Posted by saj80 on 2010-12-29:
Progressive is not "pathetic", they are merely protecting their client. They have no responsibility to you, and if their client's statement differs from yours, they will side with hers. Should you have called the police? Probably. Should you have called your insurance company? Definitely yes.
Posted by leet60 on 2010-12-29:
You really should contact your insurer and let them handle this. All insurers, when approached by a party with a claim against one of their clients will do everything they can to lowball or deny the claim.

You may be wrong if you believe your insurer will not get wind of the accident. Insurers gather information from a centralized database regarding accidents and many times an insurer will increase your premium for simply having an "accident" on that database regardless of fault.
Posted by nocryingoverspilledmilk on 2011-01-02:
Like saj80 said, they're merely protecting their client and their own interest which any company is going to do. Why would you expect them to pay for damage that is not proven to be their customer's fault? As I'm sure you know now, it was a mistake to not call the police because there is no documentation of what happened. I don't know what the laws are like in Arizona, but in the state of the Ohio, an accident occurring on private property usually results in each party paying for their respective damage, regardless of fault. Your only choice now would be to sue the insured personally.

On a side note, it's not really appropriate to mention last names on a public website. That's a privacy issue not to mention tacky. How would you like it if the situation were reversed and your first and last name were mentioned in this context? The other driver is a human being just like you who happened to make a mistake. Please be considerate of the privacy of others on the internet.

Good luck with your case.
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Annoying commercials
Posted by Old fart on 12/11/2010
Do the Progressive insurance Company TV commercials annoy and irritate you folks as much as they do me?
Particularly the latest one where the old dude uses dated slang to express himself.
Worse yet, the vapid sales lady reacts to her "customer" in the smarmiest of ways.
The last company I would do business with is Progressive, based on the idiotic melodrama pictured in their ads.
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Posted by Anonymous on 2010-12-11:
I watch very little tv and no commercials.
Posted by Anonymous on 2010-12-11:
I think I posted a thread about this very topic before. I hate that woman 'Flo' and those commercials are annoying. I just press mute or change the channel.
Posted by old fart on 2010-12-11:
If the company wanted to draw attention to the company they succeeded beyond their wildest dream.
Too bad it's completely negative,,,
Posted by olie on 2010-12-11:
This commercial has opened up some conversations with my teens. They've asked, "What did he say? What does that mean?"

Commercials *can* be educational. My 18-year-old "explained" to me what Progressive's "name your price" policy means. At least he's got some perspective on this.

If you asked me to name 5 car insurers, Progressive would be fourth or fifth. I don't purchase something as important as insurance based on a TV commercial.

Posted by trmn8r on 2010-12-12:
I actually like Flo. "Well you're excuuuused."

But the ads are inane. Just like Geico's. All they have to *supposedly* compete with is price - and in my case my insurer (State Farm) is much cheaper than both. So I just sit and laugh when the commercials come on.

Yes, the old guy is really annoying.

I was thinking just yesterday that the Geico caveman commercials have finally ceased. They were the worst.
Posted by Ben There on 2010-12-12:
From a marketing standpoint these ads are considered wildly successful. Many people remember the ads, remember what company they are for and can recall some of the products they offer like trucker insurance, pet coverage, discounts, name your own price, etc...
Posted by Venice09 on 2010-12-12:
Shorty, I can't stand Flo either. When she says, "I get that all the time", I want to smash her face.
Posted by Anonymous on 2010-12-12:
Venice! I predict a food dream in your near future.
Posted by Venice09 on 2010-12-12:
Maybe tonight!

If I drink apple juice before going to sleep, I have hallucinatory dreams. Do you see now why I don't drink or take drugs?.. haha
Posted by Alain on 2010-12-12:
I find Nationwide's commercials very irritating, but I don't worry about it too much since I don't have insurance with them or Progressive. Maybe I'd like them better with apple juice?
Posted by trmn8r on 2010-12-12:
Ben There-> Yes, they must be successful.

Marketing has no discernible effect whatsoever on me. Commercials are only entertainment, and I usually don't even remember what the company was. I go on word of mouth, mostly.

I'm shocked to hear people dislike Flo! I find her attractive - I think it is her mannerisms and facial expressions.

Venice -> you may want to consider a little anger management (>:
Posted by Anonymous on 2010-12-12:
trmn8r> I respectfully disagree with your comment that they have no "discernible" effect on you. The mere fact that you find Flo attractive and can recall her mannerisms and facial expressions, is a tell-tale sign that the advertising has done its job successfully. You either consciously or subliminally remember at least "something" from the commercial. And many times, that is all they are after.
Posted by Venice09 on 2010-12-12:
I misquoted dear Flo. What she actually says is, "It happens to me all the time". It's at that point that I want to smash her face.
Posted by trmn8r on 2010-12-12:
Bud -> I would respectfully agree that they have an effect, but not the one the companies intended. All I get out of them is humor. I have never ended up with a product from a company whose commercial I found entertaining. Never. Maybe I'm ADHD?

If the marketing genuses knew that I only found their commercials funny, and didn't result in business, they would retool. But they must have the desired effect on a significant portion of the population.
Posted by Ben There on 2010-12-12:
Trm8r - that is not really the point of marketing - companies don't expect you to purchase products solely because you find the ads entertaining.

Companies need ads to do some or all of the following:
-make consumers remember the name of the company (this ad has been great for brand awareness and pushed them into recognition like State Farm, Geiko, etc...)
-inform of new products and services (I didn't know they had trucker insurance, but even I know that now and I am not a trucker.)
-associate this ad with the correct company (people don't confuse Flo with State Farm)
-Remember Progressive next time you need to buy insurance... All of the buzz around these ads have greatly increased the chances of that...
-create a brand that people trust - I am not sure if you remember the original e-surance ads. They were creative cartoons with the cartoon girl with the pink hair needing insurance because she was getting chased by monsters. While lots of people noticed these ads, they didn't necessarily do a lot of good for the brand... maybe some people found them childish and that is not what we are looking for in car insurance.
Posted by trmn8r on 2010-12-12:
Ben There -> That's my point. For me, they are entertainment only. While the hope is that subliminally I will associate with the company when I need something, I'm like Homer Simpson with nothing going on upstairs. There are other elements, such as you listed, that I tune out. Thus my long term association is "I've seen some funny commercials, but mostly I have no idea what they were for, or by which company."

One example of an ad campaign I thought WAS effective is Swiffer. The familiar classic songs and the animated old mop drew my attention, and then there was probably some talking about how Swiffer was convenient, easier, blah blah blah (I didn't listen to any of that). I have an old dust mop of my mom's here, and I'm not going to waste money on something disposable. Maybe the real problem is I am too thrifty, and I don't need anything. Don't count on my spending fixing the economy.
Posted by Anonymous on 2010-12-12:
I agree flo blows.
Posted by Anonymous on 2010-12-12:
The most important thing ads do for any company is to create the essence of what the company is -- what do you *think* about when you think of a company? It can get quite complicated, but at the end of the day, that's what any marketing person should be thinking about when it comes to developing ads. How do they want people to *feel* about this commpany/product?
Posted by madconsumer on 2010-12-12:
how true old fart.

i think the amy winehouse look has been played out.
Posted by Anonymous on 2010-12-12:
I love Flo. I think she is cute and funny. She doesn't make me want Progressive Insurance though. I was shopping for insurance a few months ago and never even thought to check them out.
Posted by Venice09 on 2010-12-12:
Trmn, I understand what you are saying. I am exactly the same way. I never remember the product or company and have developed a knack for tuning out most commercials. When something does get my attention, like Flo, it's only because it's annoying. I never buy anything from an annoying commercial. I didn't even know Flo represented Progressive until I read it on this site. I know I've seen commercials for Allstate and State Farm, but have no idea which ad goes with which company. Ironically, the commercials I do notice are the ones for products I already use.
Posted by HabaneroTex on 2010-12-13:
(CNSNews.com) - A conservative advocacy group is urging its supporters to cancel their policies with Progressive Insurance, after Peter Lewis, the company's chairman, reportedly gave $8.5 million to the American Civil Liberties Union. The multi-million dollar donation will help the ACLU advance its liberal agenda, including its "war on Christmas," the American Family Association warned. In an email message, AFA Founder and Chairman Don Wildmon urged his supporters to "sign a letter to Chairman Lewis, letting him know" that his donation to the ACLU is prompting conservatives to cancel their insurance policies. The AFA recently announced that it was ending its boycott of Target stores, after the retailer promised to use the word "Christmas" in its advertising and in-store promotions.
Posted by Augustus2099 on 2010-12-23:
I wouldn't insure a tricycle with them my god they are pathetic and their insurance is terrible they give you a low quote at the beginning then shaft you with a higher rate later on.
Posted by Jackie on 2013-04-25:
The latest commercial of "let's get ready to bundle" is so annoying, I always change the channel when it comes on. I hate it.
Posted by Berny Gehle on 2013-05-04:
The "bundle" commercial is the absolute worst. Must change channels quickly. Get rid of it. I would never, ever consider your company based on this ad!!!
Posted by T.S. on 2013-07-24:
Listen up "Flo"....Enjoy your fame and income from this 'trailer park' company/commercial because it WILL NOT last! I do hope your bank account balance was worth humiliating yourself over on a national level. The commercials were funny in the beginning (years ago). but now......you seem desperate to continue and so does the company you work for. You could have called your on shots in the beginning but now it's too late! FYI.... people get turned off by such advertising! It's a shame you've allowed yourself to continue with this company! Good luck!
Posted by Thomas on 2013-07-25:
Indeed, the Progressive ad campaign is the most loathsome, idiotic thing I have ever seen. What morons!
Posted by Mark on 2013-08-03:
I actually prefer the geico pig (Maxwell) over the progressive pig (Flo) any day of the week.
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Fraud Insurance Company "Progressive"
Posted by FRAUD PROGRESSIVE on 08/11/2010
My story beats all of the rest of the stories. My car was vandalized sometime 2 months ago....and now Progressive insurance company is investigating me over the claim. I have been with them for at least 5 years. They have obtained recorded statement from me and my family...asked for my phone bills and bank accounts information. The best part of it all they came to my house and took sample of oil and transmission fluid from the car. Instead of paying or fixing the claim they rather take the time and ask for something crazy every week. My truck was badly vandalized and I have no way of getting around but to barrow another car.

I will never ever go back to progressive nor I will recommend this insurance to anyone....Please stay away from these people.

The car was slashed all around.....They broke the back glass and the inside seats were also slashed. On top of it all they have spray tagged RR on the hood of the car. I am Still waiting to settle the claim.

God Bless.

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Posted by dan gordon on 2010-08-11:
your 'rant' would be better if you explained what was vandalized? Your leaving out a whole lot of info to make your point. There has to be more to the story.
Posted by Helpful on 2010-08-11:
Very much agree Dan.
Posted by CaptainSpaulding on 2010-08-12:
I am in the process of dropping Progressive as I have been unhappy with their service.

I just found out that if you want to cancel your insurance policy with them before the policy end date, you are subject to a $50 "cancellation fee".

They can kiss my gluteus maximus!
Posted by Anonymous on 2010-08-12:
wow really? 50 bucks? Maybe be worth keeping them until the policy expires, then call and and tell them to kiss your gluteus maximus! thats rediculous! I love how all these insurance companies are "your friend" on TV. The black guy for allstate, the lizard on geico, FLO for progressive. All such delightful characters, but when you actually are CUSTOMERS with them, they are mostly cold and distasteful.
Posted by H.Goncalves on 2013-10-01:
Last October I was hit by a truck that left the scene of the accident. I had to drive my wobbly car after the truck not realizing how hurt I was. I was able to catch up with him sort of and wrote down the details on his truck. The next day I couldn't get off the bed from aches and pain. I also realized that my toes were as huge as an elephants. I called Progressive since I had a commercial policy with them, but instead of a friendly voice I spoke to a ms Holly. D. That decided she was coming to see my injury. I thot that wasn't rt. So I decided to video tape our meeting. She saw my swollen toe and made me sign a realease while under the effect of pain meds. I found out I had fractured my toe, but no comfort whatsoever. They wanted my medical records from birth and sent another guy in charge of claims to ask me a dumb question like what kind of shoe I was wearing. I also realized the Ms Kelly had ordered my medical records with out my authorization bcos she was telling stuff in my records that's between my doctor and I. I had to have surgery and lost 6 months from work but this ppl were quering my earnings. No 1, I will not be paying $4000/yr on insurance with good driving record if I do not mean to use my car for work.
I'm glad I had the tenth sence to make a video take because, I have decided not to deal with their nonsence but file a law suit. Please stay away from flo, she is a liar and you should have known from those horrible disguise. Progressive insurance is the only company online with over 1000 complaints. Pls where are the attorney general's to file suit against progressive to stop these horrible practices. In my next entry I will enter full names and phone numbers of the agents I dealt with.
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Posted by Turf on 02/11/2010
By reading the small print, I've learned that the "discounts" they offer are only good for 6 months. Progressive would not quote me what my real rates would be at the end of 6 months. I know several people that ran into this problem after purchasing their insurance.
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Major problems with a minor claim
Posted by Sd1te2 on 02/05/2010

I am a 15+ year customer of Progressive with no tickets, accidents, and I have never made a claim. A few weeks ago someone parked next to me in a parking lot in an SUV opened their tailgate causing their spare tire carrier to swing around and the tire put a little dent in my fender. Total damage: around $800. I took a week off from work to get it fixed. The claim problems began when claim representative Stephanie declared this was a COLLISION and not a comp claim, thereby increasing my deductible from $250 to $500 even though the paint was un-scratched in and around the dent. When I tried to argue the point, she called me a liar and accused me of attempting to defraud her of the $250 difference! Then, after I got my estimates and decided on a body shop, Progressive\'s estimator didn\'t show up as promised for several days causing me to have to pay a week\'s worth of additional rental car fees to get to work.

This tiny claim was a nightmare. Claim Rep Stephanie was a heavy handed unprofessional bully whose primary motivation was obviously geared more toward her \'no claim payout\' bonus check than to helping me get back on the road. For 15 years Progressive was great at accepting my payments. But when it finally came time to make a very small claim, the friendly demeanor was gone. Never again.

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Posted by spiderman2 on 2010-02-05:
You obviously do not understand the difference between comprehensive and collision coverage. Here is a link that explains it. http://www.compuquotes.com/collision-vs-comprehensive-auto-insurance.html
Why in the world would you take a week off of work to get a little dent taken care of? Why didn't you make a claim against the other person's insurance?
Posted by skelly39 on 2010-02-05:
It is a collision claim and not a comp claim. By arguing with her about it, you may have contributed to the unpleasantness of your situation.
Posted by GenuineNerd on 2010-02-05:
I am a Progressive customer (11 years) myself...I had to make two claims in that period, the first being my fault-I left the hatchback lid open on my car as I was backing out of my garage, and it bent the hatchback lid. The second claim was when my driver's side door got hit while my car was parked on the street-I didn't realize there was a dent on my door until the next morning. Progressive handled both of these claims as "collision"...the repairs were done well, as well as the service I got from the claims adjuster.
Posted by roscoep on 2010-03-14:
Unfortunately, what you described is a collision claim. Their tailgate collided with your vehicle. The only way this would have been a comprehensive claim would have been if you had witnesses who saw the SUV owners maliciously doing this, which would make this an act of vandalism. By your description, I'm guessing the SUV owners didn't stick around.
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Soft Tissue
Posted by Soft t on 12/27/2009
I was just reared while parked in the passenger seat when I was strucked. I went to the hospital and was said to have soft tissue damage. I use progressive and the car at fault was progressive insured.

They want to give me $500 and pay all medical. Well my pain has
increased two weeks later. I haven't settled yet but I am having problems getting a doc without health insurance.

Progressive doesn't believe I'm realy hurt. I'm going to fight this
lying on my back.
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Posted by Anonymous on 2009-12-27:
It's not that they don't believe you're hurt, their first job is to try and find a way to deny all claims.
Posted by MRM on 2009-12-27:
Show them the medical records during your hospitalization that you were hurt.
Posted by Skye on 2009-12-27:
You need a personal injury lawyer.
Posted by Ben There on 2009-12-27:
Its sounds like your lack of health insurance is the bigger problem. Even if Progressive agreed to reimburse you for these new medical issues, you still would have a tough time getting the initial treatment since doctors don't like the uninsured.

Do doctors ever take auto insurance cards like they would medical insurance cards like Aetna and Blue Cross? I don't think so but I could be wrong.
Posted by spiderman2 on 2009-12-27:
I don't think they do. The doctor will take your health insurance and then your health insurance company will ask to be reimbursed through your auto insurance. You can't just ask them to bill your auto insurance because there can be issues of liability and how much coverage the policy has.
Posted by skelly39 on 2009-12-28:
If you have medical coverage on your auto policy, your dr can bill your insurance company. If you don't, they can assert a lien against any settlement you make with Progressive so they are guaranteed payment.
As far as what they are offering you, what do you think is a fair amount? Honestly, many of these "soft tissue" injuries are nothing worse than you would sustain from riding a roller coaster or working out...but I have no knowledge of the extent of your injuries. If you want more, you will have to document your injury by providing copies of your medical bills and records substantiating the injury and required treatment.
Posted by redmx3racer on 2009-12-28:
While I can certainly "read between the lines" of your first sentance and understand what really happened (you were sitting in a parked car in the passanger seat and got rear ended) you might want to be sure you are very clear and concise with the insurance folks. They won't take the time to decode what you write/say if it does not make any sense.
Posted by skelly39 on 2009-12-28:
LMAO, red.
Posted by soft t on 2010-01-22:
Well it's been 60 days into my injury now and I have still quite a bit of pain and have seen an Orthopaedic Doctor along with treatment and medications.The Doc also gave me a perscription for an MRI. I happen to pay all in cash...witch has made the price far less then paying with insurance.Progressive wants to see my bill but they are not all in yet.I plan on getting all my bills together so I can be paid in full.My medical bills are 1,838.80 and I plan to ask 5,000 for pain and suffering. Totaling $6,833.80.
What do yall think? By the way; I was parallel parked in front a buisness waiting in my truck and my truck was turned 90 degrees onto the sidewalk.
Posted by Starlord on 2010-01-22:
I am not a lawyer, but have been an EMT and peace officer, so I cannot offer legal advice. However, as Skye said, you need a personal injury lawyer. If you accept the insurance offer, you must sign a subrogation agreement, which means you turn over all right to sue to the insurance company. With both parties insured by the same company, they are going to offer you a deal beneficial to them. It will not include pain and suffering, What they are offering is $500 and payment of medical bills, and that is it. Based upon your desire, I don't see Small Claims court as a viable option, as I don't know the statutory limit in your state, but $5,000 seems to be pretty much the maximum. In Arizona, it is $2,500 and I think Washington is $3,000. I think you need a personal injury lawyer, or maybe Legal Aid.
Posted by Anonymous on 2010-01-22:
Talk to a "PI" attorney.
They advertise all day on TV.
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Millar Agency And Progressive Insurance, They Will Get You In A Claim!
Posted by Lscrutcher on 06/17/2009
LAKE OSWEGO, OREGON -- I purchased an RV and planned to live in it full time. I wanted to be fully covered so I called many companies to make sure I got the right insurance. I spoke with [snip] 3 different times for over 1 hour total. He promised me that he knew how to insure a full-timer. I told him everything we had in the RV to make sure we were covered. He had me purchase an additional $10,000 Full Replacement Cost coverage for my computer and ham radio equipment on top of the full coverage policy. I believed him. 6 months after I purchased the Progressive policy from them, I was parked next to a building that took a lightning strike. The adjuster came out to look over all our ruined electronics. I had $6000 worth of damage. I was glad I had purchased the extra insurance. But WAIT! $10,000 FULL REPLACEMENT COST does not mean $10,000 full replacement cost. It ONLY means UO TO $2,500 per category. AND It only means UP TO $1000 per item!! What a surprise. They would only pay me $3000 for the $6000 in damage no matter that I paid for FULL replacement cost.

This company is a rip off either because they don't know how to insure people or they are dishonest about it. I wanted to make sure I was covered. [snip] did not take care of me. They said there was nothing they could do and I should buy more coverage in the future. Buyer beware.

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Posted by Soaring Consumer on 2009-06-17:
Are those limitations in your contract? Is that the maximum coverage you can get with them?

If your first answer is no then contact your state's insurance commissioner.
Posted by lscrutcher on 2009-06-17:
Yes, the adjuster got out the multi-page, fine print book and showed me that was the contract. I fault Miller agency for not knowing this since I specifically listed the items that I wanted covered. I went over that part many times with the agent. I'm not sure what the maximum is.
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StarStarEmpty StarEmpty StarEmpty Star
Don't Recommend Snapshot
Posted by Katiewrz14 on 02/09/2013
Don't use snapshot - battery drained and alternator is dead in our car, so instead of saving money we are now paying for repairs, they need to fix the issues before selling the product
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Posted by Anna Molly on 2013-02-09:
If this kind of snapshot hype, or other awards from other insurance companies are true, I shouldn't be paying a cent for car insurance. It's just not going to happen, if it sounds too good to be true..

I'm sorry you are experiencing problems from this addition to your vehicle, and hope you get it resolved, soon.
Posted by Alain on 2013-02-09:
I'm not real big on having an insurance company upload my driving information no matter what they say about discounts and such. Anyway, the addition of some system like this on my old clunker would probably kill it, so I'll just stick with my present insurance company that just gives me cheap rates for not getting in an accident. If you get this little device, who hooks it up? And what does Progressive do with the personal data they mine from your car?
Posted by jktshff1 on 2013-02-09:
What is snapshot?
Posted by Critical_level2 on 2013-02-11:
I have had progressive for the last few years. I tried their snapshot and only received a 3% discount, probably due to my pedal to the metal driving habits. My parents used the snapshot and they received a 20% discount. It doesn't record much. It basically checks for hard stops, which is is measured by the speed dropping 10 mph or more in less than 7 seconds I believe. You can view the info it collects online. All it records is the speed and how many hard stops you do. not location or anything else. If you are constantly slamming your brakes, then it will register that. I think to get the maximum discount, they want to see 3 or less within a 30 day period. If you are a responsible driver and drive like a normal person and not Mario Andretti, then you can earn a decent discount with it.

The snapshot is connected to the OBD 2 port on a vehicle. This is the same port auto repair shops hook their scanners up to. This port is only powered when the ignition is on.

I think your battery and alternator failure were caused by another electrical problem. If you alternator was going bad then it wasn't charging your battery properly and that is what ended up draining the battery. Also a bad battery also has the potential to kill the alternator.
Posted by Rita on 2013-05-25:
My alternator is dead after using the snapshot device also.
Posted by SeveNx7 on 2013-06-18:
Actually the OBD II Port is powered even when off...I Had a scanner i left plugged in for codes and it killed the battery
Posted by mike on 2013-07-07:
I am having the same problem plugged in snapshot two days later dead battery
Posted by fred on 2013-08-07:
I believe this is a rip off also, My car has lagged in power, and has been hard to start since installing Snapshot. Today i get the idea to unplug Snapshot and my problems seem to be gone..
Posted by CP on 2013-10-14:
I installed snapshot in my 2012 Nissan Maxima and in the first day the Nissan factory anti-theft system disabled the car. I attempted to reactivate the anti-theft system and it continued to be disabled until I removed snapshot. However the Nissan dealership does not have any service bulletins that are related to this situation.
Posted by Golly on 2013-12-20:
I have been driving in the UK for 30 years without incident and have logged over 500 000 miles, I have driven in the US on and off for over 20 years again without incident, we have been living now in the US for over 14 months, the 2 impacts in this time with my car were both when my vehicle was stationary, (Parked and stopped at a red light hit from behind) and not my issue. SNAPSHOT thinks that I am a high risk driver and so offered me no refund. I continually found the SNAPSHOT beeping at me for just slowing at stop lights with no vehicles in front of me, I believe if we all got into 1950's cars we would all be deemed safe drivers sadly I think that many more rear end engagments like the 2 noted above would occur. My advice, this is hype, don't waste your time, we will move insurance in April when we are due renewal.
Posted by joe white on 2014-01-08:
Seems a few peeps having problems after installing the snapshot device but I think they already had issues about to fail and had nothing to do with the device. I installed the device and after the required time recieved a 28% discount immediately and upon renewal also.
Posted by Chasity on 2014-02-21:
Just had the device for two weeks and both of my vehicles have been having battery problems. My cars are kept up on. I had to replace one battery and now my husband's car battery was dead today. Mechanics report that it is the device drawing power all the time. I am sending the thing back. I am just about to buy a brand new car (because I can) and I don't want this device to mess it up like it has my other cars.
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Raised Rates and renewed policy without concent.
Posted by Leighann2005 on 01/23/2013
HAZARD, KENTUCKY -- I purchased a 6 month policy with Progressive for $185.00 a month. When they sent a renewal notice they wanted to raise my rate to $220.00 a month. I couldn't afford that amount due to my husband's recent job loss so I didn't renew.(There were no changes in the policy other than the rate, no claims or traffic tickets) I parked the vehicle until we could afford to pick up insurance with another company, which we did at a much lower rate. Now I'm being billed almost $400.00 for a policy I didn't renew, on terms I didn't agree to and on a vehicle that wasn't driven.

I've tried to speak to someone from Progressive about this but they say there is nothing I can do and they will continue with collections. I fulfilled my 6 month agreement. How can they raise my rates and automatically renew my policy without any consent from me. This is absurd.
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Posted by clutzycook on 2013-01-23:
Most insurance policies, as far as I know, will automatically renew unless you call them and say "I want to cancel effective (insert date here)." Did you call your agent or the company?
Posted by leet60 on 2013-01-23:
You may want to check your original policy. Many policies have included a caveat that the policy will autorenew unless you specifically contact them to advise you do not want this to occur.
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