(Last updated November 18, 2014)
Your Driving Story
Snapshot allows you to get a personalized car insurance rate based on how you drive. While we still take into account traditional factors in providing your quote or determining your rate, like the type of vehicle you drive and previous accidents or traffic violations, Snapshot also considers your actual driving behavior.
We offer Snapshot because it allows you to tell us your driving story and allows us to give you an accurate insurance quote or rate using the latest technology. Knowing more about your actual driving behavior allows us to more accurately predict whether you'll have an accident, which is better for us, and helps you to control your insurance premium, which is better for you.
Data We Collect
If we provide you with a Snapshot device as part of your enrollment, the device records vehicle speed and time of day, and when the device is plugged in and unplugged from the vehicle. It also records the Vehicle Identification Number. Other information, such as miles driven and rates of acceleration and braking, is derived from the speed and time information recorded by the device. Snapshot devices that contain GPS technology record location information for research and development purposes.
How We Use the Data
Snapshot data is encrypted when transmitted from the Snapshot device to our servers. Once in our servers, we limit access to the data and use physical, electronic, and procedural safeguards to help protect it and your privacy. Once Snapshot data is sent to us, it's erased from the device.
How We Won't Use the Data
- We will not sell personally identifiable Snapshot data to any third parties.
- We will not use Snapshot data to resolve an insurance claim you have with us without first obtaining permission from you or the vehicle owner.
When We May Disclose the Data to Others
We will not share personally identifiable Snapshot data with any third parties, unless it's necessary or appropriate to service your insurance policy, detect or prevent fraud, perform research, or comply with the law. For example, such data may be disclosed:
- when we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident;
- to a state department of insurance to support renewal rates;
- to service providers who are contractually required to maintain its confidentiality; and/or
- as otherwise required by law.
We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular driver or policyholder.
How You Can Track Your Data
If you are a Progressive policyholder, you'll be able to review reports on your driving habits produced from Snapshot data by logging in to your policy on www.progressive.com or www.progressive.com/agent.
Snapshot Test Drive
Test Drive is a trial of our Snapshot program. It allows people who aren't Progressive policyholders to find out whether Snapshot could save them money before having to buy a Progressive policy. This Privacy Statement applies to people who participate in the Test Drive program, as well as those in the Snapshot program.
It's Completely Voluntary
We hope this helps you better understand Snapshot. Remember, enrollment in Snapshot is completely voluntary.
Let us know if you have any questions or comments about Snapshot.