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My insco offers great rates and I don't have to worry about them tracking our family's habits. Just because you get a 'discount' doesn't mean you're not paying for it - now or in the future. Friend signing up and foe in the end. I could be mistaken, but I invite the commenters to enlighten me on my negative perception.
my brother did it and after 6 months they raised his rates so he sent it back
Given State Farm's historic reputation on paying claims, I wonder if this device could be used against the insured in settling a claim? Sure the accumulated evidence of safe driving habits are a good thing, but the specifics of an specific accident could be quite another. Just wondering.
If the speed limit is 55 mph, most vehicles will be driving closer to 65, making the assumption that law enforcement will leave them alone as long as they are going less than 10 mph over the limit. A car driving at 50 mph is within the legal limit but is creating a hazard, particularly in heavy traffic, since other vehicles will have to stream around them to maintain their desired speed. It's ironic that a program intended to increase safe driving could actually do the opposite.
As the article states it could cost about $10 a month to rent and you could get a $150 savings on your insurance. Not much savings considering what it cost you to get it.
My guess is that most drivers that participate at least believe they are safe drivers while those that believe they are on the aggressive side don't. If I'm an insurance company I would like the idea of insuring just drivers that believe they are not aggressive.
If you live on a hill, you use your brakes much more frequently. I don't see how that is considered risky driving.
Can any device see the deer ahead of me? Can any device tell what color the stop light I just ran thru was? Not sure how well any data collected predicts future claims better than mere fact of those who volunteer to be monitored versus those who don't
Most late model cars already have similar "black boxes" installed by the manufacturer, and the Federal Government is finalizing rules mandating that all new cars be simlilarly equipped. So your "privacy" is already long gone before the insurance company comes into the question.
Have an accident while you're speeding and see what happens next.
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