Originally Posted by golfing eagles (Post 2310104)

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?

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 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 Two Bills (Post 2309853)

My grandson has a black box fitted to his car by insurance company.
It lowers his premium a lot, and as a new 17-year-old driver, it is a big help.
Insurance premiums for first time drivers in many cases in the UK exceed the cost of the car being driven.
It also gives both his parents, and us, a little more peace of mind in that too much speed or hard cornering and breaking will cost him big time financially.

Originally Posted by Two Bills (Post 2309905)

Minimum insurance in UK is Third Party, Fire and Theft.
My grandson pays close to £1750 for comprehensive insurance, with a black box, but has a Volvo which is considered a lower risk car which kept premium down.
His friend has a VW Golf, and pays close to £3000.
Golfs are a Higher premium simply because of the number of accidents they have.
Boy Racers preferred wheels!

Originally Posted by jimjamuser (Post 2310158)

I wonder if the insurance for an e-vehicle would be higher or lower than gas. And was there more fires or less with E-vehicles?

Originally Posted by OrangeBlossomBaby (Post 2310184)

I disable drivewise when I'm visiting my family in southeastern Florida. The "speeding" max is 80mph, if you hit that number, you lose the credit for that month. Sometimes, I'll be in the middle lane behind people going a little slow (like, 60-65 in a 70mph zone), and traffic is starting to back up behind me. So I'll speed up significantly to pass them on the left, often going over 80mph just to get past them. I get back into the middle lane and slow down to 68-72mh, and continue on my way. The drivewise program doesn't know WHY I'm speeding up, only that I am. So - I shut it off before I head out for a trip where I expect to do that at least a couple of times.

Originally Posted by Shipping up to Boston (Post 2310188)

Is it really ‘shut off’? Let’s be real. No different than Siri, Alexa etc. Just a quick search on OnStar doesn’t address if they ‘listen’ or monitor to you unsuspecting, only that a warrant is needed for law enforcement access to your activity.

Originally Posted by Topspinmo (Post 2310269)

Sure? Federal law enforcement can do about anything. Why are the paying companies millions for information. You think FB makes billions from free web site? They’re selling you information to anyone that will pay. Problem 3rd party rule and tiny fine print when signup?

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 JoMar (Post 2310329)

Have a neigbor who has all that tracking......last year, he received $805.00 from his insurance company. He wasn't perfect and did get reports on areas that impacted his premium. Guess your company doesn't do that huh?

Originally Posted by kkingston57 (Post 2309997)

When petrol is $5-$6 a gallon, hellcats too expensive to run

Originally Posted by JoMar (Post 2310329)

Have a neigbor who has all that tracking......last year, he received $805.00 from his insurance company. He wasn't perfect and did get reports on areas that impacted his premium. Guess your company doesn't do that huh?