Progressive Insurance Responds on Snapshot

June 2, 2014

By Karen

In March, I told you about driving around with Progressive Insurance’s Snapshot® device in my car, being monitored for 30 days, only to qualify for no discount on car insurance.

I snail-mailed the link to that post to Progressive’s president and CEO, Glenn Renwick. As you might expect, my letter was kicked to the bottom of the org chart to a “consumer relations specialist” I’ll call Susan.

Susan filled a page with boilerplate babble that didn’t address my concerns, which were:

1. Why does Progressive collect information they claim not to need?

2. What does it take to qualify for a discount if driving only about 50 non-rush-hour daylight miles total, a few days a week, doesn’t?

Susan opened with…

I’m writing on behalf of Glenn Renwick… Thank you for your letter and for taking the time to share your concerns.

Off to a great start, addressing my “concerns” with the usual empty corporate yada yada yada.

She went on to non-explain…

When you sign up to test drive our Snapshot® program, we display rapid acceleration in the overview of your driving habits, but it isn’t used in the calculation of your discount. We also don’t factor turns into our calculation.

She utterly failed to address WHY Progressive collects information it doesn’t need.

Finally, she got personal…

Snapshot® considers overall driving habits including miles driven, time of day, and the overall number of hard braking events. We define a hard brake as a decrease in speed of 7 mph/second. You had 25 hard breaking events within the 215 miles you drove during your 30 day trial. Your results didn’t yield a discount in our Snapshot® program. While we encourage our customers and potential customers to try the Snapshot® program, we don’t guarantee a discount.

She failed to acknowledge how seldom and little I drove, and that my braking behavior resulted in my not hitting anything. With Progressive, stopping for ANY reason must constitute bad driving.

She closed with…

I’m sorry for any frustration you’ve experienced… and gave her phone number in case I “have questions.”

“ANY frustration?” Didn’t my letter to the CEO give them a HINT?

This pathetic non-response didn’t resolve anything, and I stand by my belief that Progressive’s discount program is a sham, and anyone would do well to avoid it, if only to dodge the incessant online advertising it generates.


Royally Scammed by Progressive Insurance Snapshot

March 26, 2014

By Karen

Lesson: Scratch the surface of any insurance company and you’ll find a thief whose raison d’être is to take your money and provide as little as possible — or, optimally, nothing — in return.

Shopping for a better deal on car insurance, I foolishly ordered Progressive Insurance’s Snapshot monitoring device and chauffeured it around for 30 days to see if I could earn a discount, which Progressive claims could be as much as 30%.

First, let me set the scene: I’m one step above little old lady who only drives to church on Sundays. I work at home, with no rush-hour commutes. I drive 3-4 times a week on errands on suburban roads, 99% during the day, and mostly within a 10-mile radius. I’ve put 80,000 miles on my car in 14 years (that’s 5,714 miles/year).

I figured I’d be a shoo-in for big savings. Here’s how Progressive explains it:

This video is untrue because Progressive also monitors acceleration (and turns — keep reading), and gives no feedback on time of day.

My driving during this time has been uneventful, yet Progressive projected me as behaving badly per 100 miles from the outset, a lead foot who stomps the brake every 7 miles. When I actually traveled 100 miles, the braking was lower, yet still considered “opportunity” for improvement (i.e., if you ever have to stop, you’re driving poorly):

Progressive-brakes

Progressive averaged my infrequent trips to 6.5 miles per day — placing me on the road and vulnerable to accidents — 7 days a week. In truth, it’s less than half that.

Progressive-mileage

And here’s the unexplained “rapid acceleration” graph…

Progressive-Acceleration

Knowing how I drove, it would seem that what Progressive’s underwriters consider “hard” braking and “rapid” acceleration are what the rest of us call “driving.”

As for turning, the Snapshot occasionally beeped like a panicked backseat driver when I was making perfectly reasonable 90-degree turns.

The 30 days were up today, and Progressive offered me 6% savings.

Progressive

But they still wanted to know more, like my marital status, level of education, home ownership, and Social Security number (which I withheld).

The result was that I qualified for NO DISCOUNT. ZERO.

Progressive-NoSavings

I never got a premium figure, so I’ll never know how Progressive stacks up to my current insurer. But Progressive can take their Snapshot device and…

CAUTION: If your driving ever involves making the car move, your chances of getting a discount from Progressive are probably slim to none, so keep them out of your business. Otherwise, for the rest of your freaking life you’re going to see Flo’s garish face popping up in ads on nearly every screen on the Net.

Progressive-Ad

And I’d be willing to bet Progressive will ultimately profit from my gullibility by selling the tidy trove of personal information they’ve collected.

All I can say is, shame on me.


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