You know what the cool thing is? I just turn off my Bluetooth if I don't want it to monitor a trip.

I don't agree with mandatory monitoring either and have said it a couple times in this thread.
How about the phone only working on GPS while moving?

Do you have a solution idea?

The freedom to drive illegally? ;)



I agree with the point that insurance companies would absolutely use that information against you if it meant not paying out for an accident though... and those trackers have zero context to what's happening around you, like if you're driving 10mph over in broad daylight and no cars around you at all.... is that more dangerous than driving at the speed limit in the left lane of 101 in Phoenix? LMAO

I don’t see it as a big enough problem to solution, so no ideas from me

Did you mask up to protect others?

Social credit score: step 1.

I believe that most new rides have that built in like in OnStar in a GM. The data can be retrieved.

Just wait until it's linked to your bank account...going 72 mph for 8 minutes...we'll just subtract $124 out of your account, peasant.

Al is going a dystopian nightmare...

You have to be a goddamn moron to have one of these. Lol

Please don't beat around the bush and tell us how you really feel!
ROFL

Oh and KCUnited I only wore a mask when and where it was required

A guy who names himself Hemi wants insurance companies to monitor his driving and posts it on the internet. You can't make this shit up.

From what I understand you can have that deactivated by the cars manufacturer.

But willingly paying your ins company to use a tracking device to monitor your driving habits that could ultimately dictate/raise your premiums just seems wild to me...all for a 10% discount?

Not sure I've heard of anyone paying for it... I know State Farm is just a free app you download and they can only discount your rates, they don't increase it.

Of course, the cesspoolers will chime in and make up their own future fiction from that 'slippery slope', but at this very moment that's how it works.

Eventually, in the name of safety and efficiency , all cars will be autonomous and follow all rules, traffic regulations. Insurance companies are going to be pushing it.
I wonder how many more years? I’m thinking 20-25.

Insurance companies can 100% raise your premiums based on your driving habits collected by they’re proprietary monitoring device

All states are regulated differently but yeah that’s a fact

****, the slippery slope is already here! LMAO

That sucks, State Farm claims it doesn't, but in my experience they're already one of the gougier ones.

Hell, I could be good for 90 days... probably.

That was my thinking as well, then I hadn't driven the Challenger for a couple months and had to hammer it. Oh well, it is still only one of 4 events. o:-)

I mean you can get your rate raised by the zip code you live in, whether you did anything or not, just the weather or 100 other things

We’re….errr they aren’t offering you a discount for the privilege to monitor your weather….errr driving habits so we….errr they can save you money

Insurance is risk mitigation, that’s it

And investing my money for me, but not giving any of it back.

LOL. I'd be shocked if that application you've installed on your phone isn't pinging some 3rd party service and sending your coordinates, speed, heading, make-model, name, marital status,family data, address, etc to 3rd party streaming aggregators (data brokers). Unbelievable that people do this sort of crap just to save a few penny's on the dollar.

Investing it at a higher rate of return than what they have to pay out in the aggregate

Hence shedding riskier policy holders by monitoring their driving habits, age of their roofs, and a million other factors

There is no way that wouldn’t be against the first and 4th amendments. It has to be voluntary.

After the home storm damage we had the last two Julys, I would be thrilled never to have a claim again. I won't live long enough for the insurance company to ever break even with us. I swear, dealing with it has given me PTSD or something like that.



Few pennies? Oh well, I guess you won't be doing it then?:spock:

You think you are using it to save money. What its really being used for is any iota of information to **** you in a claim.

I can't remember the exact quote, but it's something like "If a product is given to you free, then you're the product."

Hey now, don't be making sense here, this is CP! It is a wicked, nefarious and malicious strategy to ruin everything we hold dear in life!

Why would someone think it might actually help put the higher insurance premiums on the higher risk drivers? ROFL

Watch out, you might become a tiny dot in some aggregate database of millions of data points!

The insurance is the product and I pay for that. This kind of like the free napkins you get at Portillos. :p

And straws! :D

ROFL They are out to get me!

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CP never disappoints, it has been an interesting discussion and I am glad I am not in the business of trying sell people on these programs.

I actually remember when cell phone use in the car while driving was a pretty serious violation and now it seems to have evolved to acceptance.

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Monitoring of your driving from your phone by the insurance company is hardly using your phone while driving.

Sorry, I didn't mean to confuse you.

One of the things they are monitoring is distractions, in other words, if you are using your phone while driving. They consider that distracted driving, not good.

Per earlier in the thread, I am pretty sure I mentioned the five items they are monitoring are:
High Speed
Acceleration
Hard breaking
Distracted driving
Time of day

Voluntarily putting their device in your vehicle or on your phone seems like the appropriate response to really show them

Well sir, when they hit me with the huge auto policy increase, I switched companies as per earlier in this thread. They had no loss on my vehicles, they are all inside when not being driven. I do have empathy for them however as they had to pay back to back years on the storm damage.

The new company is the one with the kickass app, the old one sucked ass and you had to log in each time you were going to drive. I never qualified for their promised discount.

If you get hit with a huge renewal it’s because they want you to switch as will the new company eventually

No one purges a money maker

Except when that "tiny dot" is directly tied to you...and AI creates a digital profile of your life that will never go away.

In the future, law enforcement will be able to access said profile instantly....full psychological report...habits, internet history, purchase history.

Why do you think these telecommunication companies are giving away i-phone 16 for essentially free...because they have a new AI assistant..sold under the idea of a "life co-pilot"...but is literally documenting everything aspect of your life. They say they need this amount of information so your "co-pilot" can be personalized/tailored to the specific person. Next level surveillance...actually, total surveillance.

If a deal is too good to be true...it isnt.

Those adds of people, alone, talking to their digital "assistant" like its a person is disturbing on every level...it's anti-human.

If that is the case I can't really blame them, but their agent worked like hell trying to keep us. We had major storm damage two Julys in a row, 2024 was a tornado with hail. Roof, siding, windows etc. etc. But it had nothing to do with our autos, they are separate policies.

I have found that changing companies every four to five years is necessary anyway as they have a tendency to gradually increase rates once they think you are comfortable and not paying attention.

Ten years ago our homeowners was just over a grand, now it is four times that +.

You’re doing the right thing, Ed

Keep getting the best deal for you

k... then what?

...and I don't mean made up fiction bullshit, but literally, tangibly, how does any of that impact my life?

Do you know how much of your data already exists on the dark web? Old passwords, data breaches, old accounts you don't even know were hacked years ago.

If you want people to shit their pants in fear, you don't have to make up some made-for-movie bullshit, just show them what's already out there. You're terrified, half this thread is... but I bet you're still chugging along unaffected by the dark shadows.

Sorry, but the boogie man doesn't care about you, no matter how much your main character syndrome demands it. And it doesn't give a shit about me.

I've figured for a while that's the best route, even if I'm too lazy to do so most of the time, heh.... the first time I did so, I saved quite a bit on comparable coverage, but then you have that PTSD/****-how-long-was-I-getting-raped feeling that you don't exactly want every few years. LMAO

Enjoy your life co-pilot...my post wast meant for people like you.

All I can do...is communicate the real intentions of these devices. Free will dictates that people can interpret this information as they wish...

Yea because spending a fortune on high performance only to to save a couple bucks and never drive your cars totally makes sense. WTF

I figured, 100% of the time when asked a direct question in response to your very specific fiction of a future, you jump to 50k feet and say "wOuLdN't YoU lIkE tO kNoW"... watching you turn into that 50k-foot clown is still amusing sometimes though, so thanks for delivering. :thumb:

Cool..let's just say we are two very different human beings. Without the digital means of the internet, our communication paths would likely never cross..

To each their own...

Yep, about 25 years ago I started checking each year if there is an increase and how much. The Mrs. just paid it prior to that.

A ten percent increase when it was a thousand per year was somewhat tolerable, but ten percent of 4k per year is certainly worth looking into.

I also dropped their "replacement cost coverage" as it was getting crazy when the inflation did likewise and a 2x4 was so expensive.

I just have it for a set max now. The foundation and concrete work isn't going anywhere, to hell with paying insurance coverage for it.

Let me guess, you are mad because one of your pitbulls bit you?

I am retired on a lake and don't really want to drive anywhere, capiche?

This summer my wife was just sitting still in traffic. She got rear ended. Totaled the car. Obviously his fault. Got the ticket and blame. Our insurance went up $20 a month. I asked our agent why, Florida is a no-fault state.

How did that come into law? You are just sitting there waiting on the light to turn green but your insurance goes up and it’s on your record now. :cuss:

Yeah, that's a good point, too... there's shopping for better rates, but also just doing a check on coverage to make sure you still need what you signed up for 10 years ago, or if you need to drop to low mileage on a car or find other discounts, etc.

with my old school lime green Scat Pack Shaker and it’s 485hp you can’t fly under the cop radar. They pulled me over all the time. Tint, loud motor, swerving in my own lane etc. only got two tickets for speeding in the 5 years I owned it. Paid $100 to a lawyer and got it reduced to “defective equipment”. No points on the license. Pay court costs and insurance can’t raise their rates.

Mad? LMAO It's not my fault you posted one of the most reeruned threads ever. Do your cars a favor and sell them to somebody who will take them out of first gear.

Not sure how reeruned got changed to reeruned but it wont let me edit or delete but you get the point

ROFL. Probably because you're reeruned.

Older vehicles are cheaper to insure/register..

It's the route I've taken, and it's worked out for me.

I don't like car payments.

Your car is already sharing all the data those insurance apps obtain, plus a lot more.

https://foundation.mozilla.org/en/pr...d-for-privacy/

Maybe this is for the other forum but around here even there is always a lot of things to be legit concerned about and everyone seems to breeze past those and opt to focus on things that are questionable at best. Or even better the posters seems to assume they are main character and there is a single person in the world that cares about them that they do not already know.

Should be mandatory for anyone who checks the Asian box.

The Philipino woman who lives down the road from me would have the thing going off so often they'd send a ride along before declining her insurance. She's getting better, but we all learned to just get the hell out of her way during the process. LMAO

Seems logical that if an Insurance company takes your business, they should have access to your driving habits beyond speeding tickets. With technology today, new cars can collect that info and Insurers get access .

Good drivers should be rewarded. Fun thread.

Been a while since Ive posted

Happy New Year to all who are Chiefs fans wherever you are. May 2025 bring you and yours wonderful rewards and good health.

ThreePete is the only Pete.

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This is kinda what I am thinking. Happy New Year to you as well! It has been an enlightening discussion.

Grinch post...eh never mind, enjoy your voluntary tracking device from an industry you distrust

May common sense take hold in 2025 for you

Cheers

I haven't had any in many years either. The article below is another reason to favor older vehicles.



Very interesting article. Another reason to drive older vehicles.
Our newest is 11 years old, doubt it is sharing any data? If it is, whoever reads it will be bored to tears.

Alexa...I don't have anyone monitoring me throughout the day do I?

This is correct. I have State Farm and we use the Drive Safe & Save app and devices in our vehicles. The only one that this doesn't apply to is my motorcycle. Anyway, they give discount based on driving habits. Wife and I do pretty well, for the most part. My daughter has become a decent driver, as well. My son, well his discount is very small. LMAO

My mother in law signed up for this recently. After a month, we shut it off. It was tracking her from an app on her phone ALL THE TIME, whether she was driving or not. She had several "violations" where she was a passenger in someone else's car.

Did you know that modern cars do that? Doesn't matter if you have an app on your phone.

That's the reason I never would have any Alexa devices. Still, we all have smart phones these days and well.........

On mine I am able to tell it I was the passenger.

Holy shit, if not the ride with my SIL to grandsons football game would have ended it. :D

Also, it doesn't activate until continuous movement at driving speeds is detected.

She had to call her insurance agent about two instances in the same morning where it logged 5 over in town. I was driving both times. She wasn't even in the car the 2nd time but her phone was.

I am finding it interesting that these programs are all so different. The one I had with the other company was horrible, but this one seems much more evolved.

I drive about 5 over all the time and have not triggered an "event" for speeding yet. It has me graded as "great" on Hight Speed, the only thing better is "Excellent" for my overall rating along with time of day and distraction and the next step down is "good" for my acceleration rating.

I think I have one more day of this and it is going bye bye.

The best one is even better.

The app apparently uses location info on the phone from other apps like maps. She got dinged for going 45 in a 30. I know for a fact that the entire road she was on is 45 and it's posted (I now have pictures).

When I plug that route into Google maps, and t shows 45 the whole way. In Apple maps, about a 1/4 mile is marked 30, which is wrong.

I received a message this morning that my 90 day program is over and the results will be reflected in my insurance renewal. I am no longer being monitored and can remove the program from my phone.

This makes me very happy and glad it is over.

Well as it turned out, I received an excellent score and my rate went down just over $60. I was expecting a bigger reduction, but hey.

I still have a bad taste in my mouth from having to plug a unit into the OBDII port of a company truck that I used to work for. All the sales guys had to do it and the thing would flag anything that it deemed to be unexceptionable driving habits. In my part of the world, highways are wide open with not much traffic and everything is a long ways away. If you want to get anything done, you have to put the coal to it at times. I was like hmm, this thing looks defective. It turns out 2 seconds in a microwave takes care of most undesirable electronics. My company was slow to react to about anything, so it took them 5 months to get me a new one.

Every Monday morning we had a company Teams meeting and the boss would start the meeting going over everyone's infractions for the previous week. Always set the tone for a great meeting.

My biggest problem was, I would get infractions for not having a seat belt on. I was like WTF, I always wear my seat belt. I tuned out I was getting nailed in hotel parking lots. I always buckled up just before I hit the main road, but was getting nailed in the fricken parking lot.

Fast forward, I was riding with my boss and saw what I called "the big brother 1000" fall out and hit the floor. It didn't have a real tight fit, so it was always working itself loose. He saw it happen so I chimed in with, that happens all the time with this POS. I would reach down and unplug it, if I knew I was going to have to pass on a two lane. A lot of times in order to pass a couple of big rigs, I would have to floor it to get by in time resulting in hitting a 100 plus for a brief moment. I did the same thing on long road trips. If I'm driving 500-600 miles a day with a few cars on the highway, I would get after it. Not crazy crazy, but always over the limit.

Bottom line, I'm not going to have a microscope voluntarily shoved up my ass if I don't have to.

I get it. If I would have known it was going to only be a 7 percent savings I would have passed as well.
I was expecting at least 25 percent.
Had 3 infractions in 90 days.
1) hitting the decline call on a spam call, this distracted driving
2) hard braking for a deer
3) Couldn't resist on day hammering the the Challenger getting to the speed limit ASAP