Business travelers who park their cars at the airport several days a week. Families with an extra car they only drive occasionally. Drivers who avoid slamming on the brakes. They’re all less likely to be in an accident and can save money on their car insurance with Snapshot SM, Progressive’s optional Pay As You Drive insurance discount program, a form of insurance also known generically as usage-based insurance. With Snapshot, customers can save up to 30 percent on their car insurance based on their driving habits.

How it Works

• After drivers sign up for the Snapshot program, we send them a device that fits in the palm of their hand and plugs into the on-board diagnostic (OBD) port of their car. The device records and sends the driving data to us.
• After 30 days, customers will find out if they’re eligible for a discount – up to 30 percent – based on their driving habits and will see that discount applied to their policy. People who drive less, in safer ways and during safer times of day are more likely to get a discount.
• At the end of the six-month policy term we determine the renewal discount and the customer returns the device to us.
• We may periodically check in with customers to get an updated picture of their driving by asking them to plug in the device again.

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