(Last updated April 13, 2017)
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.
The data we receive through our Snapshot program may be different depending on how you choose to provide it to us. It can be provided:
- Using our Snapshot device, which plugs into your vehicle
- Through the Snapshot mobile app, which collects data using a smartphone application (the "App") or
- Through other sources, such as technology built into or added to your vehicle, or a mobile app supplied by another party (collectively, "Third Party Sources")
In all cases, Snapshot data is encrypted when transmitted to us.
The Snapshot device records vehicle speed and time of day, when the device is plugged in and unplugged from the vehicle, the Vehicle Identification Number and may record vehicle location using GPS. For Third Party Sources, your driving data, which includes vehicle speed, time information and odometer readings, is collected by others and provided to us with your consent. Other information, such as trip duration, miles driven and rates of acceleration and braking, is derived from the data provided.
The App records driving information, mobile phone information and App analytics information. Driving information includes vehicle speed and location using GPS, time information and sensor data from the phone’s magnetometer, gyroscope and accelerometer. Other information, such as trip duration, and rates of acceleration and braking, is derived from the speed, location and time information. Because the App is not connected to your vehicle, it will collect the driving information of any vehicle you occupy, even as a passenger.
Mobile phone information includes Wi-Fi status, whether your screen is locked, whether you are calling or otherwise using your phone, whether your call is hands-free, motion activity or activity recognition, whether the phone is connected to a Bluetooth® device, referring/exit pages, date/time stamp and operating system data available to the App. The App does not record the content of your communications or the identity of the person with whom you are communicating.
App analytics information includes how often you use the App, aggregated usage, performance data and other App activity.
How We Use the Data
We use the data we receive to calculate your Snapshot score, which, along with other traditional rating factors, determines your insurance quote or the rate you will pay when your policy renews. We also use the data for underwriting, research and development. We use data we receive directly to provide you with reports on your driving behavior.
After driving data is sent to us from a Snapshot device, it is erased from the device. Driving data from Third Party Sources will be retained as described by your vehicle manufacturer or vehicle technology provider. Driving data collected by the App will be retained on your mobile phone for several days and will then be deleted, but an overview report of your driving behavior will be available in the App for a limited time. App analytics information is used to help us understand how you interact with the App, so that we can continue to improve the experience.
We limit access to the data we receive and use physical, electronic and procedural safeguards to help protect it and your privacy. We will retain this data indefinitely.
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.
It's Completely Voluntary
We hope this helps you better understand Snapshot. Remember, participating in a Snapshot program is completely voluntary.
Let us know if you have any questions or comments about Snapshot.