Originally Posted by retiredguy123 (Post 2309851)

Personally, I don't have a problem with big brother tracking my driving. But, a 21 percent increase in premiums may have nothing to do with the driving report. I had Allstate auto insurance for 27 years with no claims, no tickets, no excessive driving usage, and very little highway driving, and they raised my premium by 32 percent. Go figure.

Originally Posted by Topspinmo (Post 2309923)

I’m guessing dodge challenge hellcats don’t sell well over there?

Originally Posted by Shipping up to Boston (Post 2309980)

All of the above true. How did we all make it this far in life without all of this technology?!

Originally Posted by asianthree (Post 2310023)

When a man following our 17yo granddaughter for 11 miles trying to force her off the road multiple times.

Onstar was with her along with 9 local and county sheriffs, driving near her. For 21 minutes she was directed where to turn, finally guiding her to a parking area. Where she was told where to park and not to move, officers were in place to keep her safe.

The man jumped out of his car with a tire iron, tried to get inside. Within seconds Leo’s took over situation (man had been convicted of prior abduction).

The Onstar advisor acting quickly to get Sheriff in place to save her. For us without that technology she could have been attacked or worse.

For the last 4 years she goes to schools to give her accounts and warnings of what to do with either on board advisors or cellphones if anyone thinks they are could be in danger while driving. Not to hesitate calling even if it may be a false alarm.

She is still in contact with the officers and Onstar advisor, thankful for their help, keeping her safe

Originally Posted by Maker (Post 2310046)

Why is that tracking bad?
Ever have to brake hard to avoid a collision because someone pulls out right in front of you? = Rate increase.
Ever drive in a school zone when school is closed and the blinking yellow lights are not on? = Rate increase.
Ever drive on an interstate at 2mph above the speed limit? = Rate increase.
Ever exceed the speed limit to pass another vehicle? = Rate increase.
Ever allow someone else to drive your car, one time perhaps? Like a Valet or a serviceman, and you have zero control over what they do? = Rate increase.

Do you think driving "perfectly" is possible, and if you did, your rate goes down? LOL ROFL

Originally Posted by dtennent (Post 2309846)

There is a article in today's NY Times talking about how your driving data is being shared with insurance companies. Yes it is behind a pay wall.

Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies - The New York Times

An excerpt

"Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car."

If you have Onstar or similar system, big brother is watching!

Originally Posted by Maker (Post 2310046)

Why is that tracking bad?
Ever have to brake hard to avoid a collision because someone pulls out right in front of you? = Rate increase.
Ever drive in a school zone when school is closed and the blinking yellow lights are not on? = Rate increase.
Ever drive on an interstate at 2mph above the speed limit? = Rate increase.
Ever exceed the speed limit to pass another vehicle? = Rate increase.
Ever allow someone else to drive your car, one time perhaps? Like a Valet or a serviceman, and you have zero control over what they do? = Rate increase.

Do you think driving "perfectly" is possible, and if you did, your rate goes down? LOL ROFL

Originally Posted by Marine1974 (Post 2310060)

I installed a free app from my insurance company USAA that tracks my driving . I get a 10 % discount due to the driving score
I receive.
Don’t see or have a problem if any auto maker wants to do the same
thing . .

Originally Posted by Marine1974 (Post 2310060)

I installed a free app from my insurance company USAA that tracks my driving . I get a 10 % discount due to the driving score
I receive.
Don’t see or have a problem if any auto maker wants to do the same
thing . .

Originally Posted by golfing eagles (Post 2310066)

Don't see a problem??? Seriously???

Maybe you would allow the insurance company to install cameras in your home to make sure you don't have any unsafe throw rugs that would affect your liability premium? How about a bathroom camera to insure you use the grab bar in the shower correctly??? After all, just like driving, they are "protecting" you by encouraging "safe" behavior and rating up the premiums on those that don't comply with their rules. Yes, Big Brother is watching.

Originally Posted by golfing eagles (Post 2310066)

Don't see a problem??? Seriously???

Maybe you would allow the insurance company to install cameras in your home to make sure you don't have any unsafe throw rugs that would affect your liability premium? How about a bathroom camera to insure you use the grab bar in the shower correctly??? After all, just like driving, they are "protecting" you by encouraging "safe" behavior and rating up the premiums on those that don't comply with their rules. Yes, Big Brother is watching.

Originally Posted by Shipping up to Boston (Post 2310084)

Great points. Where does it end and like anything else, if there is no pushback every facet of your life will be infringed upon. The problem here is there will be no way to hit the reset

Originally Posted by Bill14564 (Post 2310096)

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.