Progressive Insurance SnapShot Device - Page 2 - Subaru Outback - Subaru Outback Forums
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post #11 of 31 (permalink) Old 11-11-2018, 03:16 PM
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Originally Posted by Acemaster 4 View Post
What's the benefit vs gain while using this invasion of privacy device? How much are you saving in $. Sometime I drive in a "spirited" manner. Often I leave my seatbelt off when driving down my driveway. I'm guessing the peanuts you may save isn't worth it. Some people like the kool-aid though.
Yes, you're guessing, but if you would read instead you may notice the post above concerning the Allstate version of observation returning a 20% discount to the poster.

Now I'M guessing that you would consider 20% off a whole bunch of peanuts.

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post #12 of 31 (permalink) Old 11-11-2018, 03:31 PM
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Never used one of the devices. While I would consider myself a good/safe driver and my record will show that, I do drive in a spirited way several times a week. I also drive 2 lane roads every day, and have had to brake for deer 3x in the last week. I figure, it's not worth it for me to have one. Granted, reading this I might give it a shot and plug it into the car there been sitting in the garage 5 days a week

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post #13 of 31 (permalink) Old 11-11-2018, 03:34 PM
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wouldnt a background into your accident report provide better info to the insurance scammers?

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post #14 of 31 (permalink) Old 11-11-2018, 03:35 PM
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We signed up for Progressive SnapShot after Esurance tried to jack our rate by 25% in 2017. We used the snapshot devices in both our 2016 Jetta and 2016 Mazda CX-5. My husband and I both have lead feet, but he works from home, so he doesn't rack up many miles. After using the devices for 90 days, we sent them back, Progressive analyzed them, and it got our monthly rate down to $180 vs the $280 we were paying Esurance before they raised our rates. I'd say the $1,200 in annual savings was definitely worth it to us.

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post #15 of 31 (permalink) Old 11-11-2018, 03:36 PM
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Slightly off the subject but I use State farm's Drive safe and save sensor, NOT using the OBD port. The sensor is placed anywhere in the car and apparently uses your phone in some way to send info to state farm. Also not punitive as it only discounts. I currently save about $40 per car each renewal period. No impact on car function. You do need to report vehicle mileage periodically.

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post #16 of 31 (permalink) Old 11-11-2018, 08:51 PM
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Quote:
Originally Posted by Hill View Post
Yes, you're guessing, but if you would read instead you may notice the post above concerning the Allstate version of observation returning a 20% discount to the poster.

Now I'M guessing that you would consider 20% off a whole bunch of peanuts.
You're right I was guessing and yes I did miss the other allstate post. Bad habit of mine to jump in at last page of a topic, that what I do often.
Yes 20% is 20%. But it's all relative, right? Another post below mentioned saving $1200 per year and that would get my attention, sure.
But many of you seem to be paying much more than me for insurance. We use Erie, been with them for at least 30 yrs and heck we pay something like $1300, might be less, per year for three vehicles. Progressive won't beat that rate by 2% let alone 20% in my case even if I drive like the perfect model they seek. I'm more apt to get screwed by them. To each their own, good luck to all.
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post #17 of 31 (permalink) Old 11-11-2018, 09:39 PM
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...I'm thinking of trying this feature to reduce my premium since Progressive raised my rate $103 after 6 months with NO changes to my policy. I guess Progressive wants someone else to pay for all the storm & hurricane claims.
I've been in the insurance business for 40+ years (on the commercial side, not personal lines), but will throw out the observation that almost all insurance companies are losing their behind on auto insurance these days, and this has been the trend for several years now.

Remember the whole point of insurance is to share the risk of unexpected losses, so rates will tend to go up for even those who don't have losses if the current rate structure doesn't pay for the claims being reported.

My own rates have been creeping up (though I haven't had a 20% hike yet) and I've got access to some pretty good people who handle my personal coverage. That said, it still pays to shop around yourself or have your broker do it.
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post #18 of 31 (permalink) Old 11-12-2018, 06:31 AM
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Jeez, I only pay about $1500/year total for my Subaru, RX7, and $300K house with Kemper... Full coverage, too.

Quote:
Originally Posted by mlsstl View Post
Remember the whole point of insurance is to share the risk of unexpected losses, so rates will tend to go up for even those who don't have losses if the current rate structure doesn't pay for the claims being reported.
What a concept. You should explain that to Republicans...

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post #19 of 31 (permalink) Old 11-12-2018, 09:53 AM
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If you like your insurance plan, you can keep it.

But I would honestly shop around instead of playing games like this with them.

I recently shopped around and got a quote that was $900 cheaper per 6 month premium for our 3 cars/home compared to what we were paying.

This is for the same coverage, same limits, same people, same vehicles, etc.

It worked out to just under 1800 a year cheaper.
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post #20 of 31 (permalink) Old 11-12-2018, 10:01 AM
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Quote:
Originally Posted by Brucey View Post
If you like your insurance plan, you can keep it.

But I would honestly shop around instead of playing games like this with them.

I recently shopped around and got a quote that was $900 cheaper per 6 month premium for our 3 cars/home compared to what we were paying.

This is for the same coverage, same limits, same people, same vehicles, etc.

It worked out to just under 1800 a year cheaper.
make sure to "ASK" about miles limits based on how much you actually use each of them. (in my case I might save 20% per car on some lines).


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