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One month into my Snapshot program, I learned that driving between the hours of midnight and 4:00am is the "Danger Zone," so I've programmed my Focus to play that song continuiously if I'm driving between those times. Fortunately I'm an old fart and so far haven't driven during what Progressive refers to as "high risk" hours. Aside from the time of day, "hard brakes" (which seems to register if I stop faster than a downshift) is the only other factor I can see that affects my discount. Driving 95 for hours isn't flagged as any kind of danger, and taking onramps at 60mph is also acceptable. Even with my excessive number of "hard brakes" I'm still getting an 8% discount, so once I master the art of stopping without using my brakes I'll hopefully be able to double that.