Have you considered that highway cruising might actually ding your score more than you think, especially if you're prone to speeding or sudden lane changes? Snapshot isn't just about braking—it's tracking speed consistency and time of day too. I get the privacy concerns though...feels weird knowing every little move is logged. Maybe a defensive driving course discount could be a less intrusive way to save money without feeling watched?
"Snapshot isn't just about braking—it's tracking speed consistency and time of day too."
Didn't realize Snapshot tracked time of day...does that mean late-night driving could hurt your score even if you're careful? I tend to drive home pretty late from work sometimes, so now I'm wondering if that's gonna cost me more in the long run. Has anyone noticed their rates going up just because of nighttime driving?
Yeah, I was skeptical about Snapshot at first too, but after looking into it more, it does seem like late-night driving can ding your score a bit—even if you're careful. From what I've read, Progressive considers nighttime hours riskier overall (probably because statistically more accidents happen then), so even if you're driving perfectly, the time alone might slightly lower your discount.
"Snapshot isn't just about braking—it's tracking speed consistency and time of day too."
I haven't personally seen my rates jump dramatically just from nighttime driving, but I did notice my discount wasn't as high as I expected after a month of mostly late shifts. If you're consistently driving late because of work, it might be worth comparing with Geico's DriveEasy or another insurer's program. Each company weighs these factors differently, so you might find one that's a better fit for your schedule.
I've handled claims involving both companies, and honestly, they're pretty similar overall. Snapshot definitely penalizes late-night driving a bit, even if you're careful—seen that firsthand. Geico's DriveEasy seems slightly more forgiving on timing, but stricter on speed fluctuations. If your shifts are consistently late, might be worth giving Geico a shot. Either way, don't expect miracles...insurance companies always find something to nitpick, lol.
Had Snapshot for a while, and let me tell you—it definitely didn't love my midnight snack runs to Taco Bell. Even driving like a grandma, it dinged me for "late-night risky behavior." Switched to Geico's DriveEasy and noticed it's chill with timing but hates when you brake hard (which happens when someone cuts off your luxury sedan...). Honestly, pick your poison. Insurance companies will always find something to complain about, lol.
