SnapShot Car Insurance Extended to Drivers in NY, NJ and Virginia

Progressive Snapshot device

Photo Courtesy of Progressive

Progressive car insurance’s discount program that aims to rate drivers based on how they actually drive is being extended to motorists in New York, New Jersey and Virginia, the company announced this week.

According to the coverage provider, the Snapshot program is already used by more than 100,000 customers nationwide.

The program is intended to give drivers more affordable auto insurance by using a monitoring device placed in an insured vehicle for six months to collect information about a policyholder’s driving habits.

Consumers whose first 30 days’ worth of data indicate that they drive fewer average miles, more safely and/or during safer times of day may become eligible for a discount of up to 30 percent on their policies.

According to Progressive, the device monitors brake events to gauge the safety of the driver. If the data show that a driver frequently has to slam on the brakes, it could indicate that he or she gets into riskier driving situations or has close calls more frequently.

The device also monitors the time of day at which the vehicle is most frequently driven in order to determine discount eligibility.

According to a 2008 report made available by the National Highway Traffic Safety Administration, the hours between noon and 6 p.m. saw the highest frequency of crashes during the time surveyed.

Enrollment in the program is voluntary, and according to Progressive, participation cannot result in a rise in rates.

Progressive already offers the insurance discount program to policyholders in more than 20 states.

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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