Totally agree about Snapshot making you hyper-aware at first. I remember when I first got it, I drove like my grandma for a solid month—no joke, I was braking so gently my friends teased me for driving like I was transporting eggs. But yeah, after a while, you kinda forget it's there, and old habits creep back in.
One thing I've noticed though is that Snapshot doesn't really account for context. Like, braking hard because someone randomly cuts you off shouldn't count against you, right? But it does. And driving late at night isn't always risky—sometimes it's just quieter roads and less traffic drama.
Also, good point about the discounts fading over time. My older brother had Progressive and was super pumped about his initial discount, but after a year or so, it slowly shrank until he was basically paying what he did before Snapshot. So yeah, definitely gotta think long-term with these things...
Yeah, Snapshot's definitely not perfect with context—had a similar issue myself. But honestly, Geico's DriveEasy isn't much better in that regard. I'd say compare base rates first, then factor in the telematics discount as a bonus rather than relying on it long-term.
I feel this. Just got my first car insurance policy a couple months ago and went with Progressive because Snapshot sounded like a sweet deal. But man, that thing is picky. It dinged me for braking too hard when some dude literally cut me off on the highway—like, what was I supposed to do, gently glide into his bumper? 😂
Honestly though, I checked Geico too and their base rate was slightly cheaper, but DriveEasy reviews scared me off. Seems like all these telematics apps are kinda sketchy at judging context. I'd say pick whichever has the better base rate and treat the discount as icing on the cake. At least then you won't be stressing every time you tap your brakes a little too enthusiastically...
I had a similar experience with Snapshot—felt like I was being graded on every little move. Honestly, telematics apps seem great in theory, but they're still pretty limited in practice. Have you considered checking out smaller local insurers? Sometimes they offer competitive rates without the hassle of tracking apps. Might be worth a quick look, especially if you're mainly focused on getting a solid base rate without the stress of constant monitoring...
Totally get where you're coming from with Snapshot—felt the same pressure myself. If you're stuck between Geico and Progressive, here's a quick way to narrow it down: first, run quotes without telematics discounts to see your baseline. Then, factor in things like customer service reviews specific to NY (trust me, location matters). Smaller local insurers can be hidden gems too, as mentioned above. A bit more legwork upfront, but you'll feel way less micromanaged in the long run... Hang in there, you're on the right track.
