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Auto Insurance Driving Apps
Posted on 12/17/19 at 7:18 pm
Posted on 12/17/19 at 7:18 pm
I see the commercials all the time - Allstate, State Farm, Progressive - everyone seems to have one now.
Any OT baws using these? I can't help but think of all the data mining the auto carriers are using this for.
Any OT baws using these? I can't help but think of all the data mining the auto carriers are using this for.
7
Posted on 12/17/19 at 7:20 pm to FearTheFish
Yeah no thanks, prefer to not triple my rates right now.
Posted on 12/17/19 at 7:20 pm to FearTheFish
I use my phone while driving all the time. Somehow I usually end up losing money 
Posted on 12/17/19 at 7:20 pm to FearTheFish
I don't have one because I don't want to pay $2,000/month for auto insurance.
Posted on 12/17/19 at 7:22 pm to PrivatePublic
that’s my thought. I’d rather pay my current rates with them blind versus what they’d charge me if they knew how I really drove. 
Posted on 12/17/19 at 7:23 pm to FearTheFish
I could sure use insurance. Some fig on the interstate slowed down and caused me to bump him after the Saints game.
Posted on 12/17/19 at 7:24 pm to FearTheFish
Most are filed with the state as discount only, meaning they can’t use the data to increase your rate. Our average discount is 12% with drive safe and save
Posted on 12/17/19 at 7:28 pm to DCtiger1
Yeah but I'm sure they can drop you or at least not renew you
Posted on 12/17/19 at 7:28 pm to DCtiger1
quote:
meaning they can’t use the data to increase your rate
I find that extremely hard to believe. One way or another, your rate is affected.
They’re not collecting that data for nothing.
Posted on 12/17/19 at 7:31 pm to DCtiger1
quote:
Most are filed with the state as discount only, meaning they can’t use the data to increase your rate.
But can use to deny a claim when you're driving "reckless"
Posted on 12/17/19 at 7:31 pm to FearTheFish
(no message)
This post was edited on 1/18/21 at 7:23 pm
Posted on 12/17/19 at 7:39 pm to FearTheFish
I really don’t care what you want to believe. It’s the truth. Check the rate filing.
Posted on 12/17/19 at 7:39 pm to Tortious
No, they cannot
Posted on 12/17/19 at 7:40 pm to Slim Chance
quote:
Yeah but I'm sure they can drop you or at least not renew you
If you have progressive, then sure. Theirs isn’t filed they same way that State Farm’s is
Posted on 12/17/19 at 7:50 pm to FearTheFish
I would think the point is to make people more conscientious drivers, thus reducing the chance of having to pay a claim. They save thousands with less claims and pass a small bit to the “safer” drivers being careful.
Posted on 12/17/19 at 9:57 pm to DCtiger1
quote:
meaning they can’t use the data to increase your rate.
Complete bullshite right here.
Progressive can 100% raise rates with it. We don’t offer any of it at my agency. We used to with “Rightrack” from Safeco, but they switched to an app on your phone, so we no longer offer it. Plug in devices are great, but all carriers are going to an app.
FWIW, the future of auto insurance is, and should be in my opinion, usage based. The plug ins and apps measure basically four things:
A) Avg speed
B) Miles driven
C) “Hard braking”, defined as slowing more than 10 mph down/second
D) Time of day driven
Travelers is testing a “charge per mile” program in some states in 2020, and I agree with it. Like, I drive 3 miles to work per day, and rarely leave the Gulf Shores/Orange Beach area. Why should someone like myself be paying the same rates as someone who commutes 30 miles per day on the interstate?
Carriers are slowly (some more slowly than others) realizing data is king, and the ones who evolve the quickest will garner their fair share of the market.
Fun fact: The world spends $2.1 trillion on insurance premiums/year. There is a race underway to evolve insurance, and the State Farm’s of the world will be like MySpace in the next coming decades.
Posted on 12/17/19 at 10:11 pm to BamaCoaster
quote:
and the State Farm’s of the world will be like MySpace in the next coming decades.
quote:
Progressive can 100% raise rates with it.
I said most. State Farm’s is filed as a discount, as is geico’s
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