Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Well you can save money on car insurance if you also allow them to put in a monitoring device.
It monitors speed, braking (hard, sudden, or rolling non braking) and I think mileage.
You can save 10-15% maybe more on your premium, so they say.
To the opposite, you won't save as much if you violate those things.
I asked our long time agent about it, specifically because we had just been to st Louis. The highway speeds there are 55-65 limits, with left hand exits. I can tell you NO ONE was going less than 80-90!!! There was also no side spots for a cop to sit to catch speeders, IF they could monitor.
The ONLY slow downs were for accident and once in the pouring rain one day.
I think he said you could file a trip that might result in abnormal habits, or unplug it for the trip.
Around here, though, he said we wouldn't have much problem s unless we drove erratic.
Not sure I want to be monitored. Spouse says no, and spouse is a more slower driver than I. I pointed out we may HAVE to opt in.
It plugs into your dash input module (or whatever it's called), which is on any vehicle made after at least 1995, I think it is.
When I shop around for car insurance, sure I can find a better price, but then when I want to combine it with homeowners insurance, sure they offer a break on car insurance, but DOUBLE what we currently pay for the house.
I haven't tried to shop independently for these, might find a savings there that way.
My theory is that insurance companies will lute you in with a much cheaper auto insurance to get you onboard, and by 3-5 years your back up in rates again.
Some do say shop every 3-5 years for car insurance.
I have also found that companies like Geico, which doesn't have local offices, CAN be difficult to get ahold of in case there is an accident.
Car insurance is minimal where I live. I don't pay very much and it's bi-annual. The biggest expense for me would be taxes and technology frills (internet, cell phone, computer anti-virus plans, security features, the list goes on).
We've had a low mileage discount (driving under 7,500 miles yearly) from State Farm for years. For the first couple of years, we had to take the car to our local agent once a year to verify the mileage. After that, they never asked again.
I would never allow the car monitoring even though we are careful drivers. It's feels too intrusive. We have great coverage at a low price, and for us, the monitoring wouldn't lower the cost enough to justify it. If I were looking to lower our price, I would do the safe driving course for a discount instead.
Fluffythewondercat, the only thing I could walk to would be a restaurant and a few little stores. But I live in town and things aren’t too far away. I have days that I don’t drive anywhere.
When I moved from the city down here to a rural county - insurance dropped in half!
Even though I was actually driving more due to the commute to work. But guess it was not safe in the big city. And yep my car did get stolen once out there.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
