Snapshot® Express Terms and Conditions
Last Updated: May 21, 2019
Terms and Conditions
These terms and conditions apply if you participate in the Snapshot® program by providing driving data from a source other than our Snapshot device or mobile app, such as data gathered by your vehicle’s manufacturer or from a device or mobile app supplied by another party. The Terms and Conditions for participating in the program using a Snapshot device or mobile app can be found at progressive.com/support/snapshot-programs-terms/.
Your participation in this Snapshot program is expressly conditioned on your acceptance of these terms and conditions. If you do not agree with any part of these terms and conditions, you should not participate in Snapshot.
The Progressive Group of Insurance Companies (Progressive) reserves the right to modify the terms and conditions at any time. Modifications to these Terms and Conditions can be viewed at progressive.com/auto/discounts/snapshot/snapshot-express-terms-conditions. Continued participation in Snapshot by you will constitute your acceptance of any revisions to these terms and conditions. Please check this page regularly.
Progressive offers a usage-based insurance rating program, called Snapshot, which allows customers to potentially save money based on their actual driving habits. Snapshot gives people more control over how much they pay for auto insurance, and can help make people safer drivers. With Snapshot, safe driving could save you more on your car insurance.
This version of our Snapshot program does not require use of a Snapshot device or mobile app in order to participate. Your driving data is collected by other means and provided to us. Then, when you quote a Progressive auto insurance policy, you will receive a personalized rate based on the driving data collected prior to quoting.
Enrollment: Enrollment in Snapshot will occur upon completion of the following steps:
- you sign-up for Snapshot;
- you provide a valid email address;
- you agree to share your previously-collected driving data with us; and
- you accept these Terms and Conditions for participating in Snapshot.
Data Collected. The driving data provided to us (“Snapshot Data”) differs depending on the method of data collection, but may include vehicle speed, time information, odometer readings, phone usage, and data from phone sensors (though not location data). Other information, such as trip duration, trip regularity (taking the same routes on a regular basis), and rates of acceleration and braking, is derived from speed and time information. Where you drive is not used in determining your personalized rate.
By participating in Snapshot, you represent that you have the consent of each participant from which data is to be provided for Snapshot pricing purposes to (a) provide that data to us, and (b) permit us to retain and use the information as described in these terms and conditions. Once the vehicle information is sent to us, Progressive will retain the information as required by our record retention obligations.
While in our possession, we may be legally obligated to provide your Snapshot information in response to a subpoena or as otherwise required by law. There may also be instances where we are required to provide Snapshot Data to a state department of insurance in order to support our filed rates.
Privacy. We're committed to protecting your privacy and earning your trust, and understand you may have questions about how we use the Snapshot Data provided to us. In addition to our commitment to you in our Privacy & Security Policy at progressive.com, we explain what we will and won't do with the Snapshot Data in our Snapshot Privacy Statement located at progressive.com/support/legal/snapshot-privacy-statement/.
At the time you obtain a Progressive auto quote, we will use Snapshot Data we received from a third party to calculate a driving score based on your driving results, and use this score to determine a personalized rate on a going-forward basis, which may result in a discount or, in some states and situations, a surcharge to your policy premium depending on your driving habits and conditions. Your driving score will remain the same for each renewal, until such time as Progressive, in its sole discretion, elects to collect additional Snapshot Data to re-evaluate the driving score.
In some cases, the Snapshot program will affect the amount of your Paid in Full or EFT discount savings.
For more specifics on how Snapshot is priced in your state, please visit progressive.com/snapshot-details.
Ending your enrollment in Snapshot
You may end your enrollment in the Snapshot program at any time and we won't consider your Snapshot experience at all.
Disclaimer/Limitation of liability
YOU UNDERSTAND AND AGREE THAT TO THE FULLEST EXTENT PERMITTED BY LAW PROGRESSIVE DISCLAIMS ALL LIABILITY, REGARDLESS OF THE CAUSE OF ACTION ASSERTED, FOR DAMAGES RELATED TO A DATA COLLECTION DEVICE OR METHOD THAT IS NOT CONTROLLED BY PROGRESSIVE. FURTHER, TO THE FULLEST EXTENT PERMITTED BY LAW, PROGRESSIVE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR BODILY INJURY OR DAMAGE TO OTHER VEHICLES OR PROPERTY, CAUSED BY OR RESULTING FROM ANY DATA COLLECTION TECHNOLOGY THAT WAS NOT PROVIDED BY PROGRESSIVE.
PROGRESSIVE RESERVES THE RIGHT TO MODIFY OR TERMINATE THE SNAPSHOT PROGRAM AT ANY TIME AND FOR ANY OR NO REASON.
U.S. Patent Nos. 9,754,424, 9,916,625, and 10,497,063, and any additional patents and pending applications claiming priority from these patents or otherwise related to Progressive’s usage-based insurance program, apply to the Snapshot program, device, and/or mobile app.