{"id":1471,"slug":"progressive-consumer-savings-marketing-excluded","title":"Progressive consumer-savings marketing ($169/$322/$328 avg, \"up to 30pct,\" $1.2B discounts) — EXCLUDED from any article as edge evidence","kind":"reference","scope":"business","status":"current","audiences":["kevin","smb-owner","candid-team"],"topics":["alternative-data-scoring"],"reference_body":"**Claim.** Progressive markets consumer-side savings figures ($169-$328 average per year, up-to-30pct discounts, $1.2 billion in discounts paid). These are *consumer savings*, not the firm's information edge — and they are vendor self-reports without independent audit.\n\n**Source.** Progressive corporate marketing, recirculated across the trade press.\n\n**Confidence.** Vendor self-report. Excluded as outcome evidence for the article.\n\n**Caveats.** These figures describe what discounted customers saved; they say nothing about the firm's profitability on those segments or the residual information-asymmetry advantage. Confusing the two is a common error in vendor-recycled telematics writing.\n\n**Implication / use.** Use this entry as the *exclusion record*: when the recycled \"Snapshot saves drivers $322 a year\" appears in a draft, swap it for [[progressive-voelker-access-to-segments-quote]] or [[progressive-individual-not-actuarial-class]] — the actual edge evidence.","rationale_body":null,"metadata":null,"links":{"outgoing":[{"slug":"research-brief-information-asymmetry-decision-edge-june-2026","title":"Research notes (capture-layer): the affirmative, inward decision-edge case for data intelligence — information asymmetry applied to pricing, demand, risk, retention, targeting (June 2026)","kind":"research-notes","scope":"business","link_type":"depends-on"},{"slug":"progressive-snapshot-history-1996-2010-2014","title":"Progressive Snapshot — first UBI (\"Autograph\") 1996; modern Snapshot 2010; surcharge capability 2014","kind":"reference","scope":"business","link_type":"relates-to"}],"incoming":[]},"created_at":"2026-06-21T01:14:48.752Z","updated_at":"2026-06-21T01:14:48.752Z"}