What are your thoughts on this? Insurance that tracks your driving.

[tatted up mescan]

Auto insurance? I currently pay 304.00 a month for two vehicles, full coverage and one is new, three months old actually.

[Fizley]

Originally Posted by MarcellusWalluz

You'll be saving over $400.00 per month.
Buy a new phone with a new carrier (cheapest compatible device & plan you can find) & set everything up on that phone.
Leave it at home 95% of the time.
Your premium may even go lower because it will show that you rarely drive the car.
The $ you'll save will be much greater than what you spend on the phone.
If they start asking questions say you're a hermit & work from home.

Insurance companies have access to Car Fax and other car title reports. So if you have a state inspection, that is reported on title. If you take your car in for an oil change, that is recorded on title.

You might get away with it for awhile, but eventually they will get you for the miles driven, when the app does not match the odometer reading by a service center.

[tatted up mescan]

Auto owner purchases oil and filter at auto parts store in cash, he diy oil and filter change at home, does it get reported to Insurance company?

[Michael8219]

If tiger woods rolls over his genesis in the forest and no one is around to see it, does it count as an accident on his insurance record?

Hell yeah! His iPhone reported the crash as it happened as did the onboard Genesis telemetry.

Heck they know when your semen erupts - there’s an app for that, right next to the Flo app in the App Store or Google Play.

[Brooke Wilde]

Originally Posted by Unique_Carpenter

Consider the concept of hiding in the masses, like a needle in a haystack, thus don't.

When on the freeway, a route I use frequently takes me on the south beltway around 288 & is not as crowded. I am almost always with a pack on I-10 or 59.

[Brooke Wilde]

Originally Posted by corona

F that shit. One more device tracking you while participating in this hobby is just a bad idea. Also, once they have that data, who's to say what the insurance companies would do with it.

I agree. My decision to sign up was very impulsive. Since the policy started on the 3rd, I've actually felt slightly uncomfortable when driving.

[Brooke Wilde]

Originally Posted by Quentintime

I downloaded the app my company uses as they were going to raise my rate if I didn't. When I check the app it shows a discount but I never see a reduction on my bill. It will ding you for moving your phone while driving. They do monitor acceleration and braking. Also I'm pretty sure the new vehicles track you anyway.

My breaking is okay. I'm always cognizant of that, but I'm confident my insurance would/will think my take offs
are atrocious.

[Brooke Wilde]

Originally Posted by CurvyKatie

I did it once for a lower rate with Progressive. Nothing was different in my life other than yet another app taking up space in my phone, and I got the discount. But I also drive like a grandma.

Do you remember what the discount was?

[Brooke Wilde]

Originally Posted by DEAR_JOHN

I'm going to drag racing tomorrow at Houston Motorsports Park, and I sure don't want them tracking my driving.

Question about that: Assuming one has a loan on their car, would you need track insurance or would a regular full-coverage policy be sufficient?

[Brooke Wilde]

Originally Posted by GhostRiderYYZ

One of my friends did that "Snapshot" device that plugged into your car thing and screwed them over. He popped it into his car then only drove it to and from the store (max mileage 40 miles a month and speed no faster than 45). How he got to work is a co-worker gave him a lift.

After the allotted time frame they gave him a sweet deal, he turned in the device then drove normal

It sounds like it worked-out great for him, however, I don't think would apply here since the app must be running when you are driving. It actually pops up under my alerts as soon as I start driving.

[Brooke Wilde]

Originally Posted by MarcellusWalluz

You'll be saving over $400.00 per month.
Buy a new phone with a new carrier (cheapest compatible device & plan you can find) & set everything up on that phone.
Leave it at home 95% of the time.
Your premium may even go lower because it will show that you rarely drive the car.
The $ you'll save will be much greater than what you spend on the phone.
If they start asking questions say you're a hermit & work from home.

This is great advice; I already have another phone I could transfer the app too. I guess I would need to fully remove the app from my current phone to ensure it is not still supplying data to them.

My only worry would be if I drove - let's say 10k - with the "real" phone & only 2k with the "fake" phone & get in a wreck, do you think they would be so thorough if I got in accident & they know I had 25k miles when I signed up, but now my car has 37k miles, but they only have 2k worth of data on my driving - do you think they would look into that & possibly deny my claim?

[Brooke Wilde]

Originally Posted by tatted up mescan

Auto insurance? I currently pay 304.00 a month for two vehicles, full coverage and one is new, three months old actually.

I drive a V8 convertible. When I switched from a hardtop to a convertible the premium went up about $200. It's really unfair because in my entire life I have never been in an accident. No DUI or unmentionable charges & all of my tickets are 5 + years old. I do get stopped once or twice a year, but the officer never shows up to court so they are dismissed & don't get added to my record.

[Brooke Wilde]

Originally Posted by Fizley

Insurance companies have access to Car Fax and other car title reports. So if you have a state inspection, that is reported on title. If you take your car in for an oil change, that is recorded on title.

You might get away with it for awhile, but eventually they will get you for the miles driven, when the app does not match the odometer reading by a service center.

That was my fear.

[Brooke Wilde]

The policy has already started so at this point I am just going to wait until I get my 1st or 2nd bill & see what happens.

I wish there was a way that I could look on the app & see how they are starting to conclude the data. But after having this policy for a little over a week now & really thinking about my speed when driving (mostly on the freeway) & how hard I take off at lights. I just don't see how this could benefit me.

I really wish I would have given it some more thought before signing up so quickly. I guess I'll find out in the coming months.

[CurvyKatie]

Originally Posted by Brooke Wilde

Do you remember what the discount was?

I do not remember the exact amount of the discount, it was a couple of years ago, but it was nothing earth shattering. Maybe a discount of $30 a month at most.

I found another company willing to give me a similar rate as the discount without having to do the app, so I switched. And also Progressive can eat a bag of dicks for being jerks.