Last Updated: August 4, 2015
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, 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 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/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 get a personalized auto insurance rate 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 in order to participate. Your driving data is collected by other means and provided to us. The driving data includes vehicle speed and time information, and odometer readings. Other information, such as miles driven and rates of acceleration and braking, is derived from the speed and time information.
How it works
When invited to quote a Progressive auto insurance policy, customers will receive a personalized rate based on the driving data collected prior to quoting.
For more about the Snapshot program available in your state, please visit the web page progressive.com/snapshot-details for details.
Acknowledgement/Vehicle owner consent
By participating in Snapshot, you represent that you have the consent of the registered owner of each vehicle from which data is 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 for the retention period required by your state's law (if you do not purchase a policy with us), or indefinitely (if you purchase a policy with us).
Snapshot data may be useful in determining the cause of an automobile accident. This information may be sought by opposing parties in a civil lawsuit or by police when investigating the cause of an accident, or we may be legally obligated to provide such information in response to a subpoena or as otherwise required by law. In the event that you have an insurance claim with one of our policyholders, we will not use the data to resolve the claim without first obtaining your permission or (if not you) the registered vehicle owner's permission. There may also be instances where we are required to provide the driving information 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 concerns about how we use the driving 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 driving data in our Snapshot Privacy Statement located at progressive.com/auto/snapshot-privacy-statement/.
Snapshot data will be used in determining your personalized rate for each enrolled vehicle, which may result in a discount or, in some states and situations, a surcharge to your vehicle coverages depending on your driving habits and conditions.
At the time you obtain a Progressive auto quote, we will use driving data we received from a third party to calculate a driving score based on your driving results, and determine personalized pricing on a going-forward basis, until such time as Progressive, in its sole discretion, either elects to collect additional vehicle data to re-evaluate how the vehicle is being driven and recalculate the Snapshot discount, if any, or revises the discount factors.
The Snapshot discount or surcharge does not apply to all coverages. We apply the discount or surcharge to the premium for the three major coverages – bodily injury, property damage and collision – but the premium for some of the other coverages or expenses may not be discounted or surcharged. 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.
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.
Ending your enrollment in Snapshot
You may end your enrollment in the Snapshot at any time. If you opt out more than 45 days after being enrolled in Snapshot, you'll receive a surcharge to your policy when it comes up for renewal.
Disclaimer/Limitation of liability
YOU UNDERSTAND AND AGREE THAT 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. 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. 5,797,134, 6,064,970, 6,868,386, 8,090,598, 8,140,358, 8,311,858, 8,595,034, and 8,892,451 as well as pending applications which claim priority from these patents, apply to the Snapshot program.