this post was submitted on 10 Jun 2024
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Our insurance company offered a rate reduction if we installed a device on the cars to monitor how we drove. It we met whatever metric they set we’d get a discount for “safe driving”.
Hell no. I’m paying full price to not have them looking over my shoulder while driving.
Because you know that the data will be sold, or even used to classify your risk as a driver and potentially raise your rates. There’s nothing altruistic about these companies.
I tried it once. Installed the app on my phone. The error rate in the data they collected was ridiculously high. Get a phone call while driving? Welp, now it says you were on the phone for 45 seconds. Playing music through the stereo? No, you were clearly using your phone the entire time. Phone slides around on the console? You clearly must have mashed the brakes.
I decided that the best way for them to determine I was a safe driver was the fact that I haven't had an accident claim in years.
I don't do this and my rotors are fine.
"wait, you said you'd protect me. i got into a fight right in front of you and you didn't help at all!"
"oh but i did, boss. i was going to join in and kick your ass as well but decided to protect you from my ass kicking and stood still instead"
It's a scam, anyway. I did it once with Progressive when I got my first car. Had good ratings, was promised a solid discount. Next bill comes and it's the same amount as the previous bill. I call them and they say that the rate went up but with the discount it conveniently went back to the old rate.
That’s some bullshit.
I've had the same experience with a different insurance provider. In a different country.
They're all the same.
To anyone who doesn't believe you and thinks they might actually he able to get better rates through an app like that...
You know how health insurance companies charge hefty premiums with ridiculously high copays, but you figure "If I really need something covered, though, they'll pay it and I won't go bankrupt", but yet they still find a way to have so few scruples that they'll fight you on the services you have them billed for because they are a corporation beholden to shareholders and will do everything in their power to hang onto every single dollar possible?
Your car insurance is provided by a corporation.