OBD 'plug in' on a 991 to get a small insurance discount. Would you do it?
05-26-2018, 07:39 PM
#31
It is evidence in any dispute with the insurance company. The insurance company could use it to cancel coverage because you drove +10 over the speed limit, based on engine revs. It will be a cold day in Hell before I willingly put one of those trackers on my car. I would spend a significant amount of effort to find a way to disable/fool any tracking device if it ever became universally required.
05-26-2018, 08:44 PM
#32
Burning Brakes
From what I understand the insurance companies don't pay much attention to your speed. They are primarily concerned with:
Where you drive--they don't like high crime areas
When you drive--only drunks drive between midnight and 4:00AM
How far you drive--they like low miles for minimal exposure
And, most important for this group, how gently you drive--they don't like hard acceleration or braking, and I don't mean getting into ABS. Anything over about 0.3 g is a no-no.
My wife had a progressive module on her car for a while and she ended up with no discount, mostly because of the braking--and she isn't hard on the brakes.
Where you drive--they don't like high crime areas
When you drive--only drunks drive between midnight and 4:00AM
How far you drive--they like low miles for minimal exposure
And, most important for this group, how gently you drive--they don't like hard acceleration or braking, and I don't mean getting into ABS. Anything over about 0.3 g is a no-no.
My wife had a progressive module on her car for a while and she ended up with no discount, mostly because of the braking--and she isn't hard on the brakes.
05-26-2018, 09:10 PM
#33
05-26-2018, 11:42 PM
#36
From what I understand the insurance companies don't pay much attention to your speed. They are primarily concerned with:
Where you drive--they don't like high crime areas
When you drive--only drunks drive between midnight and 4:00AM
How far you drive--they like low miles for minimal exposure
And, most important for this group, how gently you drive--they don't like hard acceleration or braking, and I don't mean getting into ABS. Anything over about 0.3 g is a no-no.
My wife had a progressive module on her car for a while and she ended up with no discount, mostly because of the braking--and she isn't hard on the brakes.
Where you drive--they don't like high crime areas
When you drive--only drunks drive between midnight and 4:00AM
How far you drive--they like low miles for minimal exposure
And, most important for this group, how gently you drive--they don't like hard acceleration or braking, and I don't mean getting into ABS. Anything over about 0.3 g is a no-no.
My wife had a progressive module on her car for a while and she ended up with no discount, mostly because of the braking--and she isn't hard on the brakes.
05-27-2018, 11:53 AM
#37
Rennlist Member
I've got the State Farm telemetrics devices in all my cars - what Valvefloat991 above states is my experience so far. Small discount (about 5%) - not sure it is worth it.
cheers!
cheers!
05-27-2018, 02:33 PM
#38
We have a carrier who is about to release their program and it tracks your phone instead of the device in the vehicle.
There are tons of ways to get this data so it will eventually get there regardless of if it’s a device plugged into the car or not.
Whats going to be disappointing is when they start tracking all the time and it’s not a trial period. Which by the way is already happening with some carriers.
There are tons of ways to get this data so it will eventually get there regardless of if it’s a device plugged into the car or not.
Whats going to be disappointing is when they start tracking all the time and it’s not a trial period. Which by the way is already happening with some carriers.
05-27-2018, 10:19 PM
#39
Burning Brakes
No appeal from the decision of no discount... Presumably, your wife has no accidents or other chargeable claims against the policy? Nothing like arbitrary and capricious. As I said earlier, it will be a cold day in Hell before I put one of those stupid things on my car.
05-28-2018, 12:41 AM
#40
Smartphones can be powered off as well. The question is whether there is the will to power them off.
05-28-2018, 12:54 AM
#41
05-28-2018, 02:46 AM
#43
If it becomes an insurance company 'requirement' you won't exactly have much say in the matter. However, the insurance company can't make you keep the battery at full charge or always linked to the Internet, can they? See the slippery slope? For every action there is a reaction (variation on Newton's Third law and what-not).