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Does anyone use State Farm's "Drive Safe & Save" app? I said okay to it but my friend said it's like big brother and they could use it to raise your insurance....any thoughts?
Do you speed? Do you drive in a spirited manner? I'd love to use it but if I drove the speed limit on the Illinois Speedway, I'd be killing dozens of innocents on every commute due to the speed differential. If I lived in small town Wisconsin, I'd be all over it as who doesn't like saving money? I'm unaware of any ability to raise your rates based on the data. Could it happen in the future....perhaps. Who knows?
I'd worry about this, as these kinds of programs end up sneaking in as benefits but become a trojan horse to exploit the consumer.
Is an industry that can charge a person more for car insurance for some arbitrary reason like the person not being married (how is this even legal??) really credible to not have some ulterior motive with a technology like this?
First question, what vehicle will it be used in? Not all vehicles can report the same details as others. So, an older car may report less information while a newer car can report more. If you have one of those technology enabled cars of today, they will know if you leaned left or right while passing gas.
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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I was offered it by my agent, and passed. Yes, it could save money, but could also raise my rates. At about$1,600/year total for 3 cars I'm happy with my current rates and discounts.
I'd worry about this, as these kinds of programs end up sneaking in as benefits but become a trojan horse to exploit the consumer.
Is an industry that can charge a person more for car insurance for some arbitrary reason like the person not being married (how is this even legal??) really credible to not have some ulterior motive with a technology like this?
Differing rates for married vs. single is legal because marital status is not a protected class (such as race or religion). They use it because actuarial studies have shown those who are married produce significantly fewer claims than those who are single. In most cases the difference in premium is negligible to the consumer. You don't see a lot of people rushing to get married just to save on insurance
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