Snapshot® Common Questions

Learn more about our Pay As You Drive® program

Get detailed answers to your questions about Snapshot®, our Pay As You Drive® (PAYD) program. If you have a new question about Snapshot or usage-based insurance, contact us.

Info & Availability

What is Snapshot?

Snapshot is a unique usage-based insurance program that gives you a personalized rate based on your driving. The better you drive, the more you can save.

Can anyone try Snapshot?

As long as Snapshot is available in your state — it's available in most, except AK, CA, HI, IN, and NC — you can sign up when you get your Progressive auto quote. Or if you aren't ready to switch your insurance yet, you can test drive Snapshot for 30 days to see if it's right for you.

The option to take a test drive is available in most of the states where Snapshot is available, except AK, CA, HI, IN, and NC.

Does it cost anything to try?

No, it's free to try Snapshot.

Why test drive Snapshot?

Test driving Snapshot is an easy way to find out if your good driving would save you any extra money on your Progressive car insurance. It's totally free, and there's no obligation to buy.

How do I sign up?

You can sign up for Snapshot when you get your auto quote—which you can do online, over the phone or from your mobile device. Or, if you aren't ready to switch your insurance yet, you can sign up online or from your mobile device for a 30-day test drive.

What information do you ask for if I take a test drive?

We'll collect your name, contact information and birthdate, as well as details about the vehicles in your household. We'll also ask you to review a few details about the Snapshot device and then agree to return it once you finish Snapshot to avoid a replacement charge of up to $50.

What happens next after I sign up?

Within 7-10 days of switching to Progressive—or signing up to take a test drive—you'll get a Snapshot device in the mail. Just plug it into your car and drive like you normally do. You can go online to see your latest driving details and projected discount.

Can I change my mind?

Sure. If you decide Snapshot isn't right for you, you can cancel at anytime.

What driving habits impact my potential savings?

How often you make hard brakes, how many miles you drive each day and how often you drive between midnight and 4 a.m. can all impact your potential savings.

What other information do you collect?

Once you plug in the Snapshot device, we'll collect your Vehicle Identification Number and take note of whether the device stays plugged in, so we can alert you if it gets disconnected. Some Snapshot devices record your location—this is only for research purposes. The device doesn't track whether you're exceeding the speed limit.

Are commercial vehicles eligible?

No, Snapshot is only for private passenger vehicles. If you're interested in our commercial vehicle insurance discounts, call 1-888-806-9598 today to get a free quote.

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Customer Details

How can I see my projected savings?

Once you've plugged in the device, you can log in to your policy to see your latest projected discount.

Can I see my driving information, too?

Absolutely. When you log in to your policy, you can:

  • Review specific trips.
  • Get an overview of your driving habits.
  • Track your driving by day of the week or time of day.

How quickly will I start saving?

After you've logged 30 days of driving, any savings you earn will kick in immediately. Then, you'll stay plugged in for five more months to set your ongoing renewal discount.

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Test Drive Details

When will I get my discount?

After you've logged 30 days of driving information, you'll find out how much your driving might save you on your Progressive auto policy. Then, you can quote to see and apply your exact discount.

How do I apply my discount?

To apply your discount once you finish your trial, first you'll need to start a quote. We fill in the information you shared with us at sign-up; then, you fill in the rest to complete your no-obligation quote and see your discounted rate.

Will I start saving as soon as I switch?

Yes, any savings you earn during your trial will kick in as soon as you switch to Progressive; this is your initial Snapshot discount. Then, you'll stay plugged in for five more months to set your ongoing renewal discount.

What if I want to end my trial early?

Just call us at 1-877-329-7283 or request a pre-paid return envelope for your device to let us know you want to end your trial. Then, be sure to send back your Snapshot device within 60 days.

If I want to switch, do I need to do it immediately?

No, you'll have six months to buy a Progressive auto policy at this personalized rate.

When should I cancel my current insurance?

Keep your current coverage while you try Snapshot. If you decide to buy a Progressive policy at the end of your trial, we'll help you switch companies.

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Snapshot Device

Where do I plug in the device?

The device plugs into your car's onboard diagnostic port, which in most cars, is located near or beneath the steering column. If you need help finding the port, refer to our setup guide. If you have trouble plugging in the device, or it's uncomfortable for you to reach the port, please ask for help.

Can I try Snapshot in all my cars?

Yes. The Snapshot device is compatible with most cars built after 1995, so we'll send you a device for each of your eligible cars that you choose to enroll into Snapshot. The Snapshot device is not compatible with some cars — mostly high-end luxury models, electric vehicles and some hybrids.

How do I know the Snapshot device is working?

After starting your car, simply look for a blinking light. If you don't see one, unplug the device, review installation details, and then plug it back in. If you still don't see a blinking light, please call us at 1-877-329-7283.

What if my device stops working?

If your device stops working or comes unplugged, you'll get an email alert, along with details on what to do next.

What if I lose the device?

Call us at 1-877-329-7283, so we can send you a new one. Unfortunately, the $50 charge for an unreturned device still applies.

Why does my device beep when I drive?

Some of our Snapshot devices beep when you make a hard brake. Getting this instant feedback can help you improve your driving.

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Will Progressive share my information?

We won't share Snapshot information unless it's required to service your insurance policy, prevent fraud, perform research or comply with the law. We also won't use Snapshot information to resolve a claim unless you or the registered vehicle owner permits us to do so.

Learn how we protect your privacy.

How long do you keep my information?

It varies depending on where you live. At minimum, we'll follow the rules established by your state's department of insurance.

Learn how we protect your privacy.

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