Recently, Progressive Insurance Company has introduced new products for regular drives – snapshots. These devices are necessary for developing rewarding systems that would encourage drivers to ride carefully. Hence, the more accurately you drive, the more money drivers save. The initiated complain focuses on new options for consumers to gain discounts. The product creates several benefits for consumers whose driving habits are much more accurate and less aggressive (Schultz, 2011a). Hence, the proposed item is both progressive and innovative, which correspond to the strategic vision and mission of the insurance company. Flo, the mercantile character, representing the Progressive’s objectives, highlights the main benefits for drivers who are interested in discounts and money-saving. With regard to the four characteristics of the service, including service intangibility, inseparability, variability, and perishability, the least attention is given to the service perishability (Kotler & Armstrong, 2011). The reference, however, is made to the analysis of the functionality of iPod device, which can also be used as a mile counter while driving (Kotler & Armstrong, 2011). In fact, the service providers failed to introduce the terms under which snapshots can be maintained and regulated. As per the service tangibility, Flo has managed to demonstrate the device and explain how this product works. There is also an evident connection between the provider and its service and, therefore, strong evidence for service variability and inseparability from the Progressive Insurance is revealed. Because the company’s product has been advertised, it can be stated that the snapshot is at the stage of commercialization. Introducing online transactions as a direct channel for communication with customers supports the Progressive’s customer-centered policy. Specifically, using virtual space contributes to greater availability and simplicity of utilizing insurance services. Hence, it also justifies the company’s strategy to keep in constant contact with people who are interested in its services. Hence, independent agents can communicate with consumers both by phone and by online channels (Toops, 2009). Using the Web as an additional channel of communication makes the independent agents’ work much easier because it provides them with greater coordination and visibility of virtual space. Introducing direct insurance also provides customers with greater awareness and control of policy accomplishment. Despite the suggested advantages, independent agents still face a number of challenges while gaining experience in online communication. This is of particular concern to the skills and experiences of independent agents’ dual approach to promoting the Progressive’s brand. Two-fold orientation creates difficulties in terms of defining priorities to which the insurance agent should adhere (Toops, 2009). The problem can also influence the profitability and performance of the employees who should cooperate with customers traditionally and via online devices. Increased workload creates some challenges in terms of the quality of work. Nevertheless, the Progressive Insurance invests resources into Web development, as well as insurance of their employees’ ex