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.
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.