ask a person with a normal car and they will tell you they were never offered it.
they just want to decline us if we ever get in a accident.

 

It doesn't show your speed.

Directly from the Snapshot product guide available to agents:

So if someone with a "normal car" didn't get offered it, then their agent just didn't mention it... not the insurance company. They don't encourage agents to offer it to certain clients based on the car that they drive, though they encourage it to be offered for people who will be good candidates based on their driving habits, specifically the following behavior that will result in the Snapshot device verifying those habits to reduce your rates:

* Brake with care
* Drive fewer miles
* Limit during rush hour and from midnight to 4:00am

Again, this was copied and pasted from their product guide. It's designed to give people a break if they fit those categories. If they don't, meaning that they typically make sudden stops or brake hard, drive a lot of miles (15k+ annually) or drive frequently in stop-and-go traffic or during the wee hours of the morning, then they won't be good candidates. There's another portion of the product guide (which I can't seem to find this very second) where it is specified that they do not take into account the actual speed you are traveling. Also, as the customer, you are able to check your own driving habits online, as reported by the device. Also, you only need to keep it on for six months, and if you get a discount, you actually keep it for future renewals.

 

I filed a BBB complaint about the pro-rating issue.

They weave you into this odd billing plan to basically punish you for moving on to a new company.

It was explained like this to me... They take 6 payments one per month for 6 months. It's a "package" of 6 month coverage at price X. By leaving, I don't finish the 6th payment, which means my coverage is now actually 5 months of "month-to-month" coverage retroactively. Instead of getting a pro-rated refund, I'm actually on the hook for another $76.xx something for the coverage I've already used to reach the present date.

So if say, I continue paying WHAT WE AGREED UPON, I owe nothing more in the cycle. But if I quit and change insurance companies, I have to pay them more because I fall out of this package deal, and everything's recalculated so that I owe some more money instead of getting a refund.

It's a "quitting fee" disguised as a billing practice.

Basically they came back at my BBB complaint supposedly proving how what they did was acceptable with a long billing explanation. I've yet to pay that $76.xx fee and it's been a few years and no one's chasing me for it.

Happily with AAA Insurance now, plus their roadside assistance is rather nice to have when owning an Evo.

 

Do you have any paperwork regarding that? Generally with Progressive, you can cancel at anytime, and they return any unearned premium (which means insurance that you've paid for but didn't use) to you, less their $50 cancellation fee which is pretty standard, unless you have a legitimate reason to end your policy prematurely, such as moving to another state, which they will allow you to cancel with no penalty.

But about your payment method, were you on EFT? With Progressive (in most states outside of California, at least), you get a discounted rate for going with EFT. But for people who remove themselves from EFT, their rate adjusts to the direct billing rate, which is higher. Most likely whoever you worked with didn't handle your request well, since it sounds like they removed you from EFT (which would cause the rates to jump) THEN cancel you, rather than cancelling you altogether which would end your EFT installments as a result without dealing with the uprate.