Progressive review.

On average yes (10–25% per Progressive's published data) — but only for drivers who genuinely don't brake hard, drive late at night, or handle their phone while driving. Snapshot reads phone-handling aggressively starting in late 2024 enrollment cohorts. If you have a long highway commute and don't touch your phone, Snapshot is a net win. If you have a stop-and-go urban commute, your score may not improve your rate.

It depends on your driving record. For clean records and standard vehicles, GEICO is more often the lower published rate. For drivers with at-fault accidents in the past 3 years, drivers with a DUI, drivers who let coverage lapse, or non-standard vehicles — Progressive's underwriting is more often the cheaper accept. Always quote both before binding.

Yes, with two flavors: small-accident forgiveness (built in after 3 years claim-free with Progressive) and large-accident forgiveness (paid add-on). The built-in version is genuinely free; the paid add-on costs roughly $30–80/year depending on state and tier. Compare against the rate increase you'd actually pay after a claim before buying — it's not always worth it.