Not true
 

I have a 2024 Jeep grand Cherokee. My rates went up because of all the technology in my car. And I don’t have the highest package. No a/c seats/ side windows don’t electronically fold.

We have it for USAA and save 30% every 6 months on our rate.

One other fallacy is that you "save" anything. They raise the rates and then give some back.

Allstate did that with their "safe driver discount". You paid a higher rate with Allstate assuming you would have a claim. If you went claim free that year you got a rebate.
Previously the rate assumed you were a good driver and got the lower rate initially. If you had a claim, then next year your rate went up.
Sounds like the same thing? Nope. In the year you had the claim you are already paying the higher rate. They got more money from the customers and could advertise the program like it was giving you extra money.
Made Allstate millions.

Had one. It drained the batteries in our cell phones, and came up with crazy reports. It had me making sudden stops and starts when I forgot to disarm it while on the golf course. It had my wife leaving from somewhere about a mile from our house and going to places far from where she went. It also used a lot of our cellular data. Completely inaccurate and thoroughly useless. Besides, they buy the same information from Lexis Nexus, which buys it from the car manufacturers who snoop on our every move through the data systems in the cars we drive.

No desire to be Big Brothered. Now that I know new cars are, it makes me want to keep my 21 yr old car even longer!

That sounds different than ours..we have a little box on the windshield that captures the data. I wouldn’t like the phone app either.

Joe

All the more reason to buy/keep older cars and fix them up! Big brother knows too much, and like the kids these days, people are too willing to give up personal privacy for something. Besides, with older cars you can drop collision insurance because you won't get much for an old car anyway and the insurance will total it anyway!!!! Insurance rates get a lot cheaper without collision insurance!

I used the type that plugs into your car's ODB port. It was required for a time period, which I think was 6 months. At that time, I was deemed a safe driver and no longer required to use the device. I then received a discount which I've maintained for years, so it was worth it. Agree that it was a pain in that hard breaking to avoid an accident or changing lanes quickly because an emergency vehicle was on your tail, would ding you. But you were allowed a reasonable number of offenses w/o being deemed an unsafe driver. It was a huge relief when the 6 month period was over and I could resume my normal driving, which would be considered unsafe by the device, yet I've never been in an accident.

I have one on the windshield.
 

I have a heavy foot while driving and have an electric car, so my app says I need improvement on speed and acceleration. Despite this valid feedback, I saved over $143 over my last 6 month bill with State Farm. If I can save almost $300 a year, it's a good deal for me and I don't intend to change my driving habits. The phone app does not record golf cart trips, only auto trips.

HELL NO!! we have enough government intrusion in our life!

No for me, I already have Google and Alexa watching me .....that's enough !

No. I don’t need a mommy looking over me.:highfive:

Didn’t know you could buy vehicle nowadays without A/C?

Safe pilot
 

Yes , from usaa auto insurance. Tracks everything from your phone . 30 % discount for a good score .

30 % discount
 

30% discount. For not handling your phone while driving.
No harsh breaking . Download an app if your insurance carrier offers it .