App that monitors my driving (brake, drivers, battery, cars)

[TamaraSavannah]

I wold tell them that I don't do Apps, which I don't, and leave it at that. Among other things of why I don't is trusting an aspect of my life to some program which even if it is an unintentional accident that there is a mistake in the program, what's their accountability to me? How much money will they be sending me for their mistake?

[StealthRabbit]

With 48 autos + 10 trucks and 13 motorcycles (and lots of dozers, tractors, ATVs... I hope the app doesn't require a VIN check!

The insurance company would be appalled at my driving habits (since I have very fun twisties and switchbacks every day.)

Lane markers, stop signs... They are only 'suggestions'

Then comes the bad habit of curve warning speed signs. = 2x minimum accepted speed

Reminds me of a company that had a Time Clock rule. 60 violations in a yr and you're dismissed. I had over 60 in my first month (used to flex time). They kept me around in spite of my obvious deficiency.

[leadfoot4]

Where I live, the posted speed limit on the area's expressways is still 55 MPH. Problem is, 90% of the traffic is going 65 MPH or better. Drive 55, and you practically get driven off the road. How would that "nanny device" save me any money?

[jmking]

I carried Allstate for at least 3 decades, no claims. In the last few years my rates increased substantially to the point I switched. The new insurance company, Travelers, required that I download an app in order for them to monitor me for only 3 months. I agreed. All went well, I trashed the app as directed and I save several hundred per year. Allstate responded to my changing insurance in that I was a loyal customer for years, give us a chance to compete. Their offer was to install a monitor in my car permanently. Their rate afterwards would still have been higher than Travelers.

[NORTY FLATZ]

Originally Posted by akrausz

I just changed car insurance and was offered a discount if I install their app to monitor my driving. So I opted in...who doesn't like a discount right?

Anybody use one of these apps and had their premium increase as a result of the data collected?

Premium increase? Well, no.

Outright policy cancellation? You betcha!

[akrausz]

Thanks everyone for the replies. I don't think the app is for me, so I uninstalled it. We'll see what happens.

[heavymind]

Originally Posted by akrausz

Thanks everyone for the replies. I don't think the app is for me, so I uninstalled it.

Care to tell us why? Was there something in the terms or fine print that turned you off?

[akrausz]

Originally Posted by heavymind

Care to tell us why? Was there something in the terms or fine print that turned you off?

The primary reason is the discount (as presented to me) is only about $4/month. I wouldn't be surprised if that changes in 6 months.

Also in South Florida it's just too crazy on I-95. Just yesterday I had two incidents where a car drifted into my lane while adjacent to me. Then later I ran into a trash bag (decided not to try to avoid the trash bag). Too many bad things going on that are 100% out of my control.

In 6 months, I'll reconsider whatever options are available at that time.

[heavymind]

Thanks for the update. I'm sure whatever "discount" you might get will be recouped somehow. Like your policy will increase by $10/mo but you'll still get that generous discount in exchange for being surveilled.

I knew a woman once who signed up for this a few years ago. She was excited over getting a $50 discount on a six month policy. Trading your freedom and privacy for a whopping $12/month sounds like a raw deal, and they'll gain their money back soon enough.

[adjusterjack]

Sure, the initial discount is small. But these devices provide an opportunity to avoid the massive rate increases that people are crying about all over the internet.

I can handle a $10 per month increase if it avoids a $100 per month increase.