Fla. Drivers Now Eligible for Progressive Car Insurance’s SnapShot Program

Floridians can now participate in Progressive’s SnapShot discount program, which promises maximum savings to new or existing policyholders who demonstrate that they are low-mileage motorists who drive safely and at safer times of the day.

Drivers demonstrate this by using a small electronic monitoring device that they can quickly install into a port located in their cars. The device transmits data for six months, although the initial discount of up to 30 percent is assessed after the first 30 days that the device is in place. Types of data collected are when and how far the car is driven and whether there’s any evidence of risky driving habits, like those that would be indicated by routine slamming of the brakes.

Man holding Progressive SnapShot device

Photo Courtesy of Progressive

Throughout the monitoring period, policyholders have online access to the data that will be used to set the discount.

Participation in the program is completely voluntary. The car coverage carrier has said that if a driver chooses to enroll in the SnapShot program, and it turns out that he or she drives too far, too dangerously and at too risky times of day to be eligible for a discount, no rate increase can occur.

Programs like SnapShot that monitor the distance that cars are actually driven have received heightened attention in recent months. Pay-As-You-Drive programs have been touted by some state governments as an effective way for drivers to keep a couple premium dollars in their pockets while also reducing congestion and pollution. Many insurers are only beginning to launch real-time mile-monitoring programs, but SnapShot is the first to be so widely available across the country.

Progressive and other providers give discounts to those who are on the road for fewer miles because the more time that a car spends in the driveway, the less chance it has of being in an accident. Data from the company were included in a Brookings Institution report on the topic, and it showed that in 2005 motorists who put in about 5,000 miles a year filed property damage and bodily injury claims at less than half the rate of motorists who drove 30,000 miles a year.

The times of day that a car is driven also gets taken into account because risks are higher during certain periods. Data from the National Highway Traffic Safety Administration show that the hours between noon and 6 p.m. see the most accidents. In 2009, about 44 percent of all accidents happened during this period.

Progressive, which allows consumers to get quotes and purchase auto insurance online, first introduced the program in 2008. Since then, the provider has slowly increased eligibility for participation state-by-state. Florida is the 30th state market that the insurance provider has introduced the discount program to.

Drivers in the following states have the option of enrolling in the SnapShot program:

  • Alabama
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • 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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