I'm doing a phd in chemistry <a href=" http://cascadeicewater.com/blog/how-to-choose-a-topic-for-a-research-paper/ ">college paper online</a> In response, Progressive spokesman Jeff Sibel wrote in an email, &ldquo;We work to price each driver&rsquo;s policy as accurately as possible using multiple rating factors, which sometimes include non-driving factors that have been proven to be predictive of a person&rsquo;s likelihood of being involved in a crash.&rdquo; He added that Progressive&rsquo;s voluntary, usage-based insurance program, Snapshot, allows drivers to get discounts based on their driving history, including time of day they&rsquo;re on the road and how far they drive.