Exploring Progressive's Usage-Based Insurance Options
Want more control over your auto insurance costs? Progressive’s usage-based insurance (UBI) may be your smartest option. Instead of paying a fixed rate, your premium is based on how safely you drive—unlocking real savings for good driving habits.
Experience: Many drivers who enroll in UBI programs like Progressive Snapshot see immediate discounts, valuable feedback, and greater transparency in how their price is set.
What Is Usage-Based Insurance?
Usage-based insurance means your rates reflect how, when, and how much you drive. With Progressive’s Snapshot program, you use either a mobile app or plug-in device that tracks:
- How often and how far you drive
- Your braking and acceleration habits
- What times of day you’re on the road
Safer drivers, who avoid hard braking and late-night trips, can earn substantial savings.
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Why Consider Progressive's Usage-Based Insurance?
- Significant savings: Many safe drivers see double-digit percentage discounts—both instantly and at renewal.
- Personalized feedback: The Snapshot app provides driving tips and a progress report so you know exactly what affects your price.
- Full transparency: There are no surprises—your premium is explained, not guessed.
- Encourages safer habits: Drivers often become more mindful behind the wheel, leading to fewer accidents and additional savings over time.
Want even more savings? Review additional strategies in our guides to Esurance discounts and Liberty Mutual savings.
How to Enroll in Progressive’s Snapshot Program
- Sign up online or through the Progressive app.
- Install the Snapshot device or enable the app in your vehicle.
- Drive normally; your habits will be tracked for a set evaluation period.
- Receive feedback, and at the end, your custom rate is calculated—reflecting your actual driving.
Curious how Progressive compares to other major carriers? Use the Progressive quote tool and try the online quote option for fast, personalized rates.
Frequently Asked Questions
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What driving behaviors affect my Snapshot rate?
Factors include speed, hard braking, acceleration, mileage, and time of day. -
Can I leave the program?
Yes, you can opt out at any time—just contact Progressive support. -
Is my driving data secure?
Progressive uses advanced security measures to protect your data. -
How else can I save?
Bundle your auto with home insurance or explore Snapshot discounts for the biggest reductions.
Bottom line: Progressive’s usage-based insurance is a powerful way for safe drivers to reduce costs and improve their driving habits. Compare your options, review your driving patterns, and unlock a lower rate with a program built around you!