re: Drive Safe & Save Programs

i hate it but it does save me about $100/mo in auto insurance.

My rate just constantly drops. I believe it was around $150/mo when we started, and few years later it’s below $110.

I’m not sure why people are scared of their location being tracked. You drive around with a device in your pocket that is also constantly tracking your location.

quote:

---

Any engine with a turbo or one that accelerates quickly is going to get you dinged on the acceleration category until your discount reaches zero and there's nothing they can do to fix it.

---

Or if you have a manual

These sound great until you accidentally bump into a motorcyclist at the red light. The guy falls off, gets injured, then his lawyer finds out through your drive safe and save program that your phone was open at the time of the accident, and not only was it open, but it detected a hard brake.

You'll end up getting a 6% discount, but State Farm is going to make so much more money off of you by selling your data. It's up to you.

quote:

---

I was told that it couldn't be used to raise my rate but I don't believe that one bit.

---

you’d have to be a completely smooth brain to believe an insurance company won’t use negative data against you

The absolute state of idiots in this thread trusting insurance companies

The only major carrier that I know who could/would raise your rate is Progressive (I dont know geico).

For everyone else, it is a discount program. The minimum discount for a 3 month score is typically 5%.
The maximum discount is typically 30-40%.

Outside of the discount earned, insurance companies do not use the information on your policy. If you tell the insurance company that you do not drive for work but have the same trip 5 days a week, it doesn't change anything on your policy.

There is no big brother, here.

The data is used to try and develop new insurance products. Nationwide has a pay by the mile policy (with permanent scoring). Other companies are trying to design and implement similar insurance products.
These products are optional.
They are trying to attract people who rarely drive and drive safely (shocker).

The scoring algorithm doesn't care how fast you drive.
It cares how hard you accelerate. How hard you brake.
How many miles you drive.
Driving after midnight.
And many will ding you if you use your phone while driving.

People who do a lot of highway driving typically score better.

If you dont want to do a driver score on principle, dont do it.

If you have a video game mentality, you will learn "danger spots" in your weekly commute that make it difficult to avoid hard accelerations or hard brakes. It can make you a more aware driver of your regular trips.

quote:

---

I have no issue with this. Why should I?

---

The truth is that the people who do not do the drivers score are paying for the ones who do the score.

Insurance is a collective pool of funds.
If I earn a 20% discount but my insurance company needs more premium because they are giving away too many discounts, then they are filing a state-wide rate increase.

Those who dont complete the discount score not only fail to take advantage of free savings, but they also bear the brunt of insurance companies handing out too many free discounts.

I’m saving $262.00 for the next 6 months.