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Old 03-23-2024, 02:52 AM
 
Location: Texas Hill Country
23,649 posts, read 14,223,178 times
Reputation: 18887

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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?
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Old 03-23-2024, 03:07 AM
 
Location: We_tside PNW (Columbia Gorge) / CO / SA TX / Thailand
34,895 posts, read 58,581,385 times
Reputation: 46470
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.
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Old 03-23-2024, 05:54 AM
 
Location: western NY
6,665 posts, read 3,297,734 times
Reputation: 10435
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?
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Old 03-23-2024, 06:29 AM
 
8,661 posts, read 9,199,962 times
Reputation: 6028
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.
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Old 03-23-2024, 09:43 AM
 
Location: Sandy Eggo's North County
10,500 posts, read 7,105,454 times
Reputation: 17244
Quote:
Originally Posted by akrausz View Post
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!
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Old 03-25-2024, 05:29 AM
 
1,158 posts, read 691,723 times
Reputation: 1387
Thanks everyone for the replies. I don't think the app is for me, so I uninstalled it. We'll see what happens.
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Old 03-25-2024, 08:34 AM
 
2,388 posts, read 1,238,516 times
Reputation: 7149
Quote:
Originally Posted by akrausz View Post
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?
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Old 03-25-2024, 03:57 PM
 
1,158 posts, read 691,723 times
Reputation: 1387
Quote:
Originally Posted by heavymind View Post
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.
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Old 03-25-2024, 07:46 PM
 
2,388 posts, read 1,238,516 times
Reputation: 7149
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.
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Old 03-31-2024, 11:04 AM
 
Location: Phoenix, AZ
6,361 posts, read 5,018,957 times
Reputation: 18097
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.
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