Progressive Snapshot Discount Program Extended to Maine

Man installing SnapShot device

A man installs the SnapShot device in his car's diagnostic port.

Maine drivers are now able to participate in Progressive’s SnapShot auto insurance discount program.

The program, which is one of the first and the most visible using on-board data collection to assess discounts, is now available in 31 states.

Enrollees in the program voluntarily agree to install a small electronic device in their cars that sends data about when, how and how far they drive. Eligibility for discounts of up to 30 percent is assessed in the first 30 days of using the device, although Progressive continues to collect data for the following five months in order to determine the size of a renewal discount.

The coverage provider sets discounts based on the times of day a participant drives, whether they regularly have risky driving events such as hard braking, and how far they drive. Users can monitor their data through the Progressive website.

According to Progressive, negative driving data cannot be used to increase a policyholder’s rates.

A number of car insurance companies have been crafting discount programs involving actual driving data, but Progressive was one of the first to do so and is the most widely available today. Allstate recently launched a pilot program in Illinois, called DriveWise, that is very similar in structure to the SnapShot program.

In 2009–the most recent year for which data is available–Progressive had a 12 percent market share in the Maine insurance market, according to the state Bureau of Insurance.

The SnapShot program is available in coverage markets in the following states:

  • Alabama
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Texas
  • Vermont
  • Virginia
  • Wisconsin
About Matthew Morisset
Matthew Morisset is a proud alumnus of the University of Redlands, where he obtained a degree in English Literature. Utilizing his passion for analysis and writing, Matthew looks for important trends in the auto insurance industry and their implications for consumers and the market as a whole.

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