[SusanStCatherine]

I have it with State Farm. The app on my phone rarely records my trips because I don't have location on. Still get the discount. They just email me asking for a mileage update.

[JGibson]

Originally Posted by villagetinker

My concern would be what else do they do with that data, do they sell it to other parties?

You would need to read the 10-page privacy policy with a magnified glass.

[midiwiz]

Originally Posted by larcha

Many auto insurance companies offer either a "telematics" device or a smartphone app that can monitor your driving habits. In return for using their system they say you can save on your car insurance by driving safely. If you have used such a system what has been your experience? Did you actually save money on your insurance premium or did your premium go up?

its to provide reasons to raise your payment..... seriously not a good idea

[Larchap49]

Originally Posted by larcha

Many auto insurance companies offer either a "telematics" device or a smartphone app that can monitor your driving habits. In return for using their system they say you can save on your car insurance by driving safely. If you have used such a system what has been your experience? Did you actually save money on your insurance premium or did your premium go up?

Big brother. It's not for your benefit you can be sure of that.

[RiderOnTheStorm]

Originally Posted by larcha

Many auto insurance companies offer either a "telematics" device or a smartphone app that can monitor your driving habits. In return for using their system they say you can save on your car insurance by driving safely. If you have used such a system what has been your experience? Did you actually save money on your insurance premium or did your premium go up?

Several relatives tried these devices in the hopes of reducing their insurance cost. All found the required driving performance to be unobtainable. Example: To pass the braking requirement you almost needed to coast to a stop. Likewise to pass the acceleration requirement you needed to accelerate very, very slowly; so much so that drivers behind them became noticeably irritated. Unless you are prepared to adopt a very frustrating driving style I would stay away.

[RiderOnTheStorm]

Originally Posted by golfing eagles

Love those drivers. Usually I'm fantasizing about the best way to run them off the road.

I like the way you think! Have you ever considered an electromagnetic device that discharges a very short but very powerful signal capable of disabling the cars ignition system? They do exist. Some police have them. This way the "left lane bandits" simple coast to a stop at the curb. Problem solved!

[Maker]

Drive 35 in a 15mph school zone that is not active at the time = speeding in a school zone.
Kid on a bicycle rides out directly in your path, you swerve and brake hard = reckless distracted driving.
Rates go up but you did nothing wrong. Maybe even saved a life. No thank you.

[Graspher]

///

[MidWestIA]

Do you want your driving habits out there for all insurance to see forever?

[Burnie]

What's wrong with fast acceleration?

[MrFlorida]

Does 1984 ring a bell ?

[genobambino]

I read that they will share all info with law enforcement and lawyers

[BumpaOompa]

They promise you big discounts and then deliver a few dollars every 6 months even with perfect driving. If it is a phone app, as many are, you have to allow access to the app at all times to track your driving which eats up your battery and data. In the end it costs you more and they get all your data to use against you. Don’t do it man!

[Whitley]

Originally Posted by RiderOnTheStorm

I like the way you think! Have you ever considered an electromagnetic device that discharges a very short but very powerful signal capable of disabling the cars ignition system? They do exist. Some police have them. This way the "left lane bandits" simple coast to a stop at the curb. Problem solved!

This device goes back to the eighties (when I saw the demonstration). I saw it in the eighties so it has probably been around since the seventies. Problem back then was when the engine stopped, power steering and brakes didn't work. I fantasized about PITng them.

[gatorbill1]

Have had two companies that we used and both times we had excellent scores and had our rates jumped up so high we had to change companies. We are on our third now (State Farm} that uses a monitor, we'll know in May if same happens and we have to shop around again.