I did the non-phone one too, and it beeps when I break too hard.

My rating ended up being a 5/5 safe driver and after a few months my rate dropped about 25%

Not true, we have to file rates with the state for approval as Actuaries. And they can object. These programs are actually used to collect data for rating all drivers not just those using them.

Sounds similar to utility companies having to "seek approval" to raise their rates. Sure they have to get approval, but doing so is merely a formality since they are rarely if ever denied.

I had one of those things a long time ago. I was on my dad’s insurance so it had to have been more than a decade ago.

I am a safe driver as is so I had it for a while and it only beeped once. Caught me in a hard brake in one of those situations where I didn’t know if I should risk the red or slam the brakes.

I remember I texted my dad like “Oh, man, this thing just beeped on me” feeling terrible like our rates were going to skyrocket and he’s like “Don’t worry about it. Mine’s gone off like 10 times already” lol

My dad is a shit driver

Don't worry, I'm sure they would never use that data collected to refuse to pay an accident claim because you were doing 1-2 mph over and leave you in bankruptcy holding the bag. Those SOB's know too much about us already. ****ing insurance is backwards anyway, they're betting you won't be in a wreck and you are betting you will.

I used to have snapshot. And I always had to worry about having it on, and getting the alerts. I eventually just went to the hell with it and turn it off and stopped using it.

I don't know if I am a perfect driver but I'm not a tense or upset driver. Most people I ride with have so much rage. Everything gets them upset. I don't know if that is because I use autopilot liberally but I just click it on and not worry about if I have a slow driver in front of me. Just about the only thing that annoys me is if I'm in the right lane and cars are coming on the on ramp I sigh because I have to turn the autopilot off and move over.

I'm kind of surprised that google isn't selling it directly without our knowledge since I figure they get it from our phones.

The car manufacturers are already doing it.

https://www.cbsnews.com/news/gm-sell...texas-lawsuit/

Just another poor person penalty brought to you by the encroaching dystopia. Think any rich person with a high performance tree wrapping vehicle has any need for this product?

Have one with my insurance it lowered my premium a bit after using it but nothing crazy.

I do not drive crazy and mostly drive to an from work most everything else is walkable or a short distance.

It gives you a scorecard of how you are driving overall and has different catagories.

My only problem with it is the reason I simply have a "good" not "great" score is it says I take turns and corners too fast. In reality I park in a parking garage adjacent to my home and to get on the level I park at your go in circles to ascend up. The program thinks I am taking these crazy endless turns everyday and docks me. LMAO

Any type of "mandatory" tracking I would be against. At that point, its not an insurance savings; its lack of freedom IMO.

Believe me, I thought long and hard about that. However, I felt it worth the gamble to get lower rates due to my extremely low exposure they have to pay for an accident I may be involved in. Like I said earlier, if I was having to commute everyday, it would be a hard pass.
My total score so far is just barely off pegging the needle of excellent, their best rating.

LMFAO, no.

So what do you suggest to curtail these irresponsible idiots using their phone while aiming a 3 to 4 thousand pound object at you and your loved ones?

I personally think phones should be automatically disabled once the car movement is detected. Phones should be automatic where only the GPS or map feature works during the car movement.