I have Progressive multiple car insurance for so many years and every time I renew my policy there's always a price increase. I have a good driving record and I don't know why? Maybe, it's because of those corny advertisements they have on TV competing with Gieco & Liberty Mutual.I switched to Progressive a while back. I hoped to save money with the Snapshot device but I will not. They said "most people will save money" which I find hard to believe. No accidents in 30 years, 1 speeding ticket in the last 15 years for going 43 in a 30 zone. So I opted out of it and will see a $22 rate increase over 6 months.
But it doesn't seem fair to me. I'm 69, don't drink, don't talk on a cell phone, don't smoke, I spoil my car rotten and everything on it works, everything. I don't tailgate, I drive defensively and my car is in the garage most days about 5 PM for the day. I drive a 9 year old Prius C. And Snapshot gives my driving a C- rating. It claimed I had 7 hard brakings one day I took a 90 mile ride to a new place. I can't even recall braking hard one time that day. Evidently, some people drive like a robot for 6 weeks until the test period is over, and then they save on their car insurance for as long as they own that car but that doesn't sound like something I'd want to bother with.
So my 6-month premium will now be $257 for 6 months. I guess that's not too bad but it seems steep compared to the rates I paid in the 80s and 90s.
They don't "want to install a tracking device on your car."Why buy insurance from a company that wants to install a tracking device on your car?
Keeping my old cars. I gotta worry about a possum walking in front of me at night while I make a split second decision about my insurance rates going up cause I have to make a hard brake? No thanks.
I hit a raccoon in my Caliber at 40mph, it shattered this part of my bumper and knocked the ambient temp sensor loose. For smaller/lower cars I’ll brake, in my truck I won’t because it has the ground clearance to clear such animals.Waaaaaiiit, you brake for vermin? I only stop for obvious pets. You know someone loves that cat or dog. I will slam on 'em for a bear, deer...anything that would massacre you if it landed in your lap through the windshield.
I *tried* and returned a plug in dongle for State Farm. It caused very odd engine behavior in my case. Stalls and hesitant bucking under power. As soon as I popped out the plug in and dropped it on the floor boards, my beast woke up again. It must only be compatible with late generation vehicles. I returned it that day to the odd looks of my agent. *^.^*
Did the raccoon survive by any chance?I hit a raccoon in my Caliber at 40mph, it shattered this part of my bumper and knocked the ambient temp sensor loose. For smaller/lower cars I’ll brake, in my truck I won’t because it has the ground clearance to clear such animals.
The front bumper wasn't the only place made of plastic. The whole 2/3rds of the rear of the vehicle was.......
Actually the trick is to switch insurance companies. Safeco's rate is a little over 3,300 for a year, while Progressive is a little over 2,000. Coverages matched 100% so I don't know what the difference is, other than we're paying for somebody's house in the Hamptons. But no longer.Most likely, the secret will be "move."
Most of my vehicles are so old they don't even have an OBD-II port. No "snap shot" device possible and the vehicle doesn't know a thing. (Even the newer ones are barely in the OBD-II era and gather little or no data beyond engine and emission control parameters. Certainly no external connectivity.)Don't need the "Snap shot" thing if you own a new vehicle. It does all that and more. It knows more about you than your cell phone. LOL