I've currently leveled up to Diamond status with Progressive (car insurance provider). It sounds a lot more prestigious than what it is. It just means that I've been insured with them for 5 years or more. The next level is Emerald (10 years) and then Crown (20 years). Each loyalty level gets you a little extra privilege but it's really not too impressive...
We just recently decided to participate in Progressive's Snapshot discount program. It's a little device that looks like some lame happy-meal toy that you plug into your car's computer under the dash. The idea is that it takes a "snapshot" of your driving habits over 6 months. If they find that you're a safe driver, then you get an additional discount. Supposedly even if you're a bad driver it will not increase your premiums.
It primarily monitors speed, braking habits, and times of day that you drive. Certain hours of the day are at higher risk for accidents (before dawn & rush hour), so the less you drive during those hours the better off you are. It tracks your speed, but being that they don't know what the speed limit is - they don't ding you for speeding.
Braking is the one that we've been finding difficult. They consider you to be a hard braker if you decrease your speed by more than 7mph in a second. Every time you do that - it starts beeping at you. Supposedly you hear enough beeps then you'll start changing your driving habits.
Here in Rexburg there are so many college kids that decide to cross the road whenever & wherever they want that we are forced to brake hard. So what I've found so far - it makes me want to stop less for pedestrians and traffic lights.
"Get out of the way pedestrians! I don't want to hear those dreaded beeps, so I'd rather hit you."
"Oh sorry officer, I couldn't stop for that light which suddenly turned red. My car will beep at me and I won't get my discount for being a safe driver."
Thankfully we'll be spending about 3 weeks not driving the vehicles. So that'll look good for us! No beeps for 3 weeks? We must be safe drivers then! Bring on the discount.
We just recently decided to participate in Progressive's Snapshot discount program. It's a little device that looks like some lame happy-meal toy that you plug into your car's computer under the dash. The idea is that it takes a "snapshot" of your driving habits over 6 months. If they find that you're a safe driver, then you get an additional discount. Supposedly even if you're a bad driver it will not increase your premiums.
It primarily monitors speed, braking habits, and times of day that you drive. Certain hours of the day are at higher risk for accidents (before dawn & rush hour), so the less you drive during those hours the better off you are. It tracks your speed, but being that they don't know what the speed limit is - they don't ding you for speeding.
Braking is the one that we've been finding difficult. They consider you to be a hard braker if you decrease your speed by more than 7mph in a second. Every time you do that - it starts beeping at you. Supposedly you hear enough beeps then you'll start changing your driving habits.
Here in Rexburg there are so many college kids that decide to cross the road whenever & wherever they want that we are forced to brake hard. So what I've found so far - it makes me want to stop less for pedestrians and traffic lights."Get out of the way pedestrians! I don't want to hear those dreaded beeps, so I'd rather hit you."
"Oh sorry officer, I couldn't stop for that light which suddenly turned red. My car will beep at me and I won't get my discount for being a safe driver."
Thankfully we'll be spending about 3 weeks not driving the vehicles. So that'll look good for us! No beeps for 3 weeks? We must be safe drivers then! Bring on the discount.
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