I was in your shoes a couple years ago when I first got insurance for my older Corolla. Thought Snapshot would be awesome since I'm a pretty cautious driver—slow acceleration, gentle braking, the whole deal. But honestly, my savings were pretty minimal too. It seemed like the device just didn't really "get" my driving style, maybe because older cars don't accelerate or brake as smoothly as newer ones? Not sure exactly.
Ended up switching to Geico after a year, mainly because their rates were straightforward and decent without jumping through hoops with telematics. If you're already skeptical about Snapshot, Geico might be an easier route...less hassle and fewer surprises. Plus, if you're safety-conscious (like me), you might find that their basic discounts for safe driving records or defensive driving courses actually save you more consistently than Snapshot would anyway.
But yeah...definitely get quotes from both before making a final call. Insurance is weirdly personal—what works great for someone else might not click for you. Good luck!
Had a similar experience with Snapshot on my old BMW 2002—felt like it penalized me just for driving something vintage. Geico ended up simpler and cheaper overall, especially after a defensive driving course discount. Worth checking out, IMO.
- Snapshot isn't about vintage cars, it's about driving habits—had it on my Lexus LS and saved a decent chunk.
- Geico's fine, but Progressive gave me better coverage options in NY.
- Maybe your driving style just didn't mesh with Snapshot...?
Yeah, Snapshot seems pretty hit-or-miss from what I've read. Curious—did you notice if it penalized you more for certain driving habits like late-night trips or sudden braking? I'm leaning toward Progressive myself because their coverage options seem a bit more flexible here in NY, especially for someone buying insurance for the first time. Geico's rates looked decent, but when I dug into the details, Progressive offered better customization for things like roadside assistance and rental car coverage. Did anyone else find that Snapshot's feedback actually helped them improve their driving habits, or was it mostly just a passive discount (or penalty)? Still trying to figure out if it's worth the hassle of being monitored...
"Did anyone else find that Snapshot's feedback actually helped them improve their driving habits, or was it mostly just a passive discount (or penalty)?"
Honestly, I found Snapshot's feedback pretty superficial. It flagged sudden braking a lot, but didn't really account for context—like braking to avoid potholes or pedestrians. Felt more like a passive penalty than genuine guidance. Progressive's customization is appealing, but don't overlook Geico entirely; their customer service has been consistently solid for me, even if their options seem less flexible at first glance. Might be worth reconsidering if personalized coverage isn't your top priority...
