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So my initial discount period is over. I have my numbers.

My discount? A measly 7%. But Jen's discount? 13%.

I have to say that I'm kind of disappointed by both of them. I was sure Jen would do great and get a good discount and kind of assumed mine would be a little less than hers, but not this much less.

Of course it's not all bad. I went from a $900 six month policy (2 cars, 2 drivers) to a $813 six month policy - which reduced my payment from $149/mo to $135/mo. This means that so far, I'm at an overall savings of just under 10%. Can't really complain too much I guess.

But then again, I can. And will.

Here's how it broke down... that is, our "performance factors."

My Performance Factors

My Performance Factors

Jen's Performance Factors

Jen's Performance Factors

The one part I don't understand is the Average Driving Behavior. BTW... the little asterisk on that item says the following at the bottom of the page: "Your savings or surcharge is calculated by comparing your driving data only to other Snapshot Program users in your state having driver characteristics, accident and violation history similar to you."

So WTF Progressive? Where did that come from? There was no mention of that in the sign up of the discount. Sure, it's not a negative number reducing my discount, but what exactly is being compared? What part of my "driving data" are you using? The only things in the sign up were the miles traveled, hard brakes, and high risk driving time.

I think this might warrant a phone call.

Getting beyond that, the one thing to consider here is that this is only the initial data. We basically need to leave the devices connected for the next couple months until my next renewal goes through. At that point the discount could be greater - but it's hard to tell. It could be worse too, I suppose. Hard to say.

I'm sure I'll be reporting again once that stage of this stuff goes though - but I may need to put in a call to them and figure out wtf the deal is with that comparison data.

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3 COMMENTS ON THIS POST To “Progressive’s Snapshot Initial Discount”

  • Tomas - University Place, WA

    May 29, 2011 at 11:58 pm

    I suspect they are probably comparing your three snapshot items AND your infraction record and claims with the average of the data of other drivers in your state in your age group and sex.

    You likely fall in that broad mid-range of the bell curve so don’t get a plus or minus from being a “bell tail.” :)

  • Ken

    May 31, 2011 at 9:50 am

    I switched to Geico and saved like $500+ per year. This was a few years ago. Give them a call. Now grated i have not had a claim with Geico either. But i also think what im paying is still too high, i just need to get off my @$$ and get it re-quoted.

  • Jake

    June 1, 2011 at 8:53 pm

    Definitely give them a call… Progressive needs to do some explaining. And, I’d be interested to hear how they respond to your phone conversation… maybe worth another post. Btw, good stuff Allan. It serves as a reminder that I need to do some of my own research with our auto insurance policy.