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But I don't drive very much and can understand that my chances of getting in a claim are reduced as a result, not linearly, but less. Maybe I should drive a lot more if I'm paying the same for insurance as everyone else.
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And that is why I signed on!
Whenever I've done cents/mile calcs my insurance costs were way outta proportion huge compared to most, even though I have just about the cheapest insurance anyone can get, simply because I've already reduced all the other costs (purchase price, finance costs, depreciation, repairs, maintenance, etc.) down to near ZERO so that left insurance and registration as the two big fixed costs (same no matter if the car is driven 0 miles or 100,000 miles) and then fuel.
So that, and not making sudden stops, not being on the road in the middle of the night (much), not speeding, etc.. I knew I would have all the parameters for max discount pegged. I also knew/didn't care that whatever personal info they could glean from this was either something I already told them or something that doesn't matter to me if they know.
That said, I'd vehemently oppose a GPS type system that can tattle my endpoints/routes/transient speeds/etc.. and I will NOT NOT NOT own anything with On-Star!
