Quote:
Originally Posted by Bill14564
Oddly, this actually makes a good argument for using the data. My insurance rates are calculated according to the "group" I am in (over 55, married, multi-vehicle, homeowner, multi-year safe driver, anti-theft system, etc). There are likely some in my "group" who regularly drive in an unsafe manner resulting in crashes, claims, and an increase of rates. If my insurance company could know that I was NOT one of those drivers then it could put me in a different group with lower rates and up the premiums on those with the unsafe habits. That actually makes a lot of sense.
Ultimately, however, I agree with you. I don't want to be tracked and I don't want to be monitored, I don't want to give an inch then find out I've lost a mile. That is why I have declined to enroll in any voluntary monitoring program.
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It's only a good argument until.....
You get rated up for going 1 mph over the speed limit, or
Slam on the brakes to avoid a 3 year old kid, or
Floor it through the intersection with a green light when you notice some bozo running the red light and headed straight for you.
I'm sure the insurance company would attentively listen to your story, and then rate you up anyway---after all, what's the downside for them?