Have you wondered why your auto insurance rate goes up because other people can't drive well? Would it be nice to have an auto insurance premium that was a direct reflection of "your" driving record and use of the vehicle? Progressive has an answer in their Snapshot auto insurance program. It is easy to use and can only help your auto insurance premium and not raise your premium.What is Snapshot?Snapshot, our Pay As You Drive program, is a type of usage-based insurance. After you enroll, you can earn a personalized car insurance discount—your Snapshot DiscountSM—by driving less, in safer ways and during safer times of day. The better you drive, the more you can save, up to 30 percent. What driving habits are included in my snapshot?Your driving snapshot includes the number of miles you drive, time of day you drive and how often you make sudden stops. People who drive less, in safer ways and during safer times of day could get a discount.What happens after enrolling in Snapshot?In seven to 10 days, you'll receive a Snapshot device and details on where to plug it into your car. Then you’ll drive as you normally would to take your driving snapshot. You can track your driving by logging in to your policy. How do I take my snapshot?Once you get your Snapshot device in the mail, just plug it into your car’s diagnostic port (usually below the steering column) and drive as you normally would to take your snapshot. Then, log in to your policy to view your driving information and projected Snapshot Discount.Could my rate go up based on my driving? No, Snapshot won’t increase your rate.* And remember, you can track your projected discount online, and if you don’t think you’ll save money, you have the option to cancel SnapshotWhat information does the Snapshot device collect?The Snapshot device collects: 1. Time of day and vehicle speed, which helps determine how many miles you drive and how often you make sudden stops. 2. When the device is connected and disconnected from the vehicle. 3. Vehicle Identification Number (VIN). The Snapshot device doesn't contain GPS technology or track vehicle location. It also doesn't track whether you're exceeding the speed limit. www.rickclineagency.comwww.affordableamericaninsurance.com