Snapshot® Mobile 4+

The app is no problem. It’s easy to download and it just does its thing. You are able to review your “trips” in the app. Apparently, the only motor vehicle incidents that are monitored are hard brakes, fast acceleration, and percent of phone usage while you are driving for the duration of that individual trip. My only concern about phone usage is; What if you’re using Google maps to locate your destination? Does that count against you? Does it know when you pull over alongside the road to make a call rather than making it while driving? And, quite often it will show in the app that I was not the driver for a particular trip. I am the only one who drives my truck, so, does that mean that I was a passenger in another moving vehicle? Because on more than one occasion I was the driver and I was the only one in the vehicle and it shows I was not. Not sure how it determines you are the driver but their programming needs some enhancing or de-bugging.

Gave it a trial run. It said I had “7 events - hard braking” but the trip details only show 3. Funny enough, I actually had ONE where a car (no signal) cut me off so they wouldn’t miss a turn and THAT one actually didn’t register. One of my “hard braking events” supposedly occurred when I gingerly parked my car in a cramped parking lot and another during the slowest roll through an extremely busy construction zone. Definitely seems like a scam to raise your rates.

Update: I literally NEVER use or so much as touch my phone when I drive. I do however have teenage daughters that take turns picking songs on my phone while it’s using Apple CarPlay. There’s no way to change this data without dismissing the entire event as if you were a passenger.
Also there’s now an extra trip showing during a time both me and my phone did not leave the house because my whole family had COVID. Despite the threatening “you must keep this app open in the background” messages or whatever, snapshot managed to record allll of this ^^ regardless.
Anyway, my update is that it’s still a scam. I’m deleting and will gladly pay the whole like $11 dollars it had knocked off our policy. Hope my rates don’t go up even more based on the few trips they fabricated/“collected data” from. If you’re thinking of signing up, don’t. Just have Credit Karma or Chime pull better rates elsewhere instead.

I don’t know if this app will have an effect on my insurance rate, but the phone usage is inaccurate. I’ve read that Bluetooth and apple play are counted against other users. I haven’t had that issue with anything coming through my Bluetooth. BUT, I can’t actively use GPS. I can have it speak to me through Bluetooth but I am not able to have the map up at all. If my phone is unlocked with my gps app actively open, the app thinks my phone is in hand and distracting me. I have a stand fo my phone that is eye level on my dashboard, but I can’t view the map or else it considers it phone use. Also, if my car is running but I’m in park or even AFTER I’ve shut my car engine off(for a few minutes), it counts as phone usage. I don’t text and drive, I typically don’t answer calls even though it comes through on Bluetooth, and I don’t play games/scroll through social media while I’m driving. My score has only dropped to a B+ but I feel it’s extremely inaccurate as I am not distracted by my phone. It’s a great idea and it does make it convenient if it will actually help with a discount, but the inaccuracies are frustrating and I hope it won’t raise my insurance rates with false information.