601
The current state of auto insurance: shit that belongs on a shady Kickstarter from 2013
(lemmy.world)
this post was submitted on 12 Jun 2024
601 points (97.3% liked)
Mildly Infuriating
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I'll preface this by saying this shady shit gets all my hate.
The overall problem here is that human psychology tends to frame this difference as a loss not a gain. Given the choice, people will see the cheaper option as the baseline, and then ask "can I afford to pay more for privacy?" instead of affirming "my privacy is not worth this discount."
Also, those of us that have paid for insurance without such a "discount", are likely keenly aware of the difference. For new drivers, from now to here on out, the lack of past experience presents a new baseline where this awfulness is normalized. Competition between insurance providers won't help us here since the "privacy free" option is still profitable and is enticing for new customers (read: younger, poorer). So it'll take some kind of law, collective action, or government intervention to make this go away.
I think this is the bigger problem. If someone has the data an insurance company wants, you probably agreed to an EULA or signed something that makes their ownership, and its sale, legal. With the "yeah go ahead and use my data" option on the table, the machinery to do this without your knowledge is already in place. All the insurance provider has to do is buy the data from someone else. When the price is right, 1st party spyware isn't required at all.
the insurance firms are a cartel anyway and the price variance is more a consequence of your region and your vehicle than your carrier.