I opted for Progressive when I shifted to Texas from another city. My previous company gave me a quote with 100% raise and I was not ready to pay that much amount.
So, I started looking for other options. It was not the only company I looked for. I enquired about few more companies and compared their quotes with Progressive Insurance. I found it cheaper than others. I think, it would have been wise to compare other things as well. Anyway, this is how it went.
They had advertised of a Snapshot device which was required for getting the discount. So, I installed the device and went on with signing up for my insurance. After installing the snapshot device, I started for my office and heard a beep when I applied brake.
I realized that their criteria for hard brake was arbitrary. It was 7 miles per hour speed reduction to be made in less than a second. Their entire criteria for meeting safe driving was hypothetical. And, it triggered very often, even when you are trying to avoid yellow light, or slowing down for a turn.
I was not able to keep up with the device and no one could possibly have, unless the car was not taken out for a ride. Soon, I checked that mine and y family score started dropping.
Whatever we did, nothing helped. I made sure to drive slow and do everything within their imaginary margins. I had to call Progressive to get a solution for the score improvement.
When I called them, they informed me that the fast start was the cause of our bad score. Fast start means a surge in speed of 9 miles per hour or more in 1 second. They also informed that the fast starts were not alerted with the snapshot device, neither tracked in the online reports.
I was left aback. This was disgusting. At first, they have a system that measures unjustified numbers and then they have the guts to hide other parameters.
I realized that their snapshot discount was a way to lure customers into buying their insurance policy. knowing that the safest driver would never meet the criteria, the discount would turn into more penalties, Progressive insurance does fake advertisements. This is a scam.
If you opt out of snapshot discount, your discount is gone and if you stick with it for 45 days, you pay penalties for not keeping up with the criteria. So, you lose in any way around. This insurance policy is a fraud and is scamming people with pretention.
Let’s spread the word to make them pay for it. I had to opt out of the insurance plan and took another one, looking expensive as compared to Progressive, but much cheaper.
I think, progressive insurance’s discount scheme is nothing more than a mere illusion. If you find it interesting, better read about the actual figures on web, before you trust them with your money.