Quote:
Originally Posted by Michael G.
To save on auto Insurance, this option to lower my rate and save was
offered to me to get a discount on my auto insurance.
It's a app that tracks your driving habits.
Anyone have one?
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Have had 2 companies offer them and I did both. 1 hooked up to the car (better option) and the other ran on our iPhones (very bad)..
Drawbacks:
Plugged into your car:
* if you brake hard for a bird, some idiot turning from the wrong lane in a roundabout, and you put on your brakes hard, you get dinged.
* if you give it gas to get around a slow driver, you get dinged
The positives:
* actual mileage used
* didn’t care or knew if your passenger was on the phone (more on this later)
App on your iPhone:
Don’t do this, the app is too dumb and I told them up front (more on this);
No positives!
Drawbacks:
* the app is always on, the root of all problems
* the app is stupid, if you and your spouse is in the same vehicle, it can’t differentiate who is driving (root of all problems)
* every time you drive, ride in a friends car, ride as a passenger, it counts the mileage driven. So if you and your wife both ride in the car you just drove 2x miles. Every time you take your golf cart somewhere, you are adding miles driven in your car.
* say you and your wife are in the car together and your wife is the passenger and she answers her phone, dinged! Can’t talk and drive, but she isn’t driving. The app doesn’t know that.
* are are riding in a friends car and you get on the phone, dinged! Can’t drive and talk on the phone, but you are a passenger in somebody else’s car, app doesn’t know this.
* same as above but you are in your golf cart, dinged! The app doesn’t know or can’t tell you are in a golf cart.
* while a passenger in a friends car, he better be a good driver because every brake slam, speeding, it goes against you!!
So I tried to explain all of these problems of the app to the insurance company. They agreed to every problem, so hear is what they told me I had to do EVERY day:
Both my wife and I had to log into the app each night and tell it: I was a passenger, I was in a golf cart, I was in a friends car, etc.. I’m not going to do this. So I let it go. I had triple the miles, I had my golf cart driving on the golf course go against our driving, we were driving while using or talking on the phone while driving, etc..