Drivers can save by letting Big Brother ride

[dcb]

Originally Posted by Joenavy85

buy an OBD2 Splitter like i have.

from: https://www.scantool.net/forum/index.php?topic=3754.0

only on true "bus" protocols such as VPW, PWM, or CAN. ISO vehicles do not use a bus architecture and therefore the messages from the two scan tools will clash.

[dkunitz]

The trip data is transmitted to Progressive through a cell phone connection and has the same potential lose signal. They seem to allow for a few days of amnesty before they call.

I've had about 4 of Progressive's Snapshot (MyRate) devices plugged into my Buick over the last few years. I think because I've gone through so many, they no longer call me to reset it AND I still get the discount .

Also note - participation can only lower your rate.
(I'd link to the Progressive Snapshot FAQ page, but I'm a lurker.)

[UFO]

Originally Posted by dkunitz

Also note - participation can only lower your rate.
(I'd link to the Progressive Snapshot FAQ page, but I'm a lurker.)

During the data collecting/trial phase....

(you can type the link out in plain text)

[dkunitz]

Originally Posted by UFO

During the data collecting/trial phase....

I now see that only high-risk drivers in Kansas and Rhode Island could see an increase of up to 9% in their premiums. Is that what you're talking about?

[BHarvey]

Equal coverage on my car-
Alfa-$1180 year
Progressive- $2900 year

So what if you can save 30%. You can save lots more than that by going with a different insurer.

Oh, motorcycles don't have an OBD port, thank God!

[UFO]

Originally Posted by dkunitz

I now see that only high-risk drivers in Kansas and Rhode Island could see an increase of up to 9% in their premiums. Is that what you're talking about?

Sure, by what they determine are "high risk" drivers. Insurance is supposed to be about pooling risk; the more they individualize rates, the more it will cost for all of us.

[Frank Lee]

Originally Posted by BHarvey

Equal coverage on my car-
Alfa-$1180 year
Progressive- $2900 year

So what if you can save 30%. You can save lots more than that by going with a different insurer.

Oh, motorcycles don't have an OBD port, thank God!

I pay about $120/6 mo for the car (+ $100/yr for the bike); $240/yr x .7 = $168.

I've insurance shopped all over the place. Nobody else has ever even come close. Not even.

Yeah, I'll try it out.

[Thymeclock]

Originally Posted by t vago

And another thing - This so-called "voluntary" program has actually a pretty big incentive going for it.

Given that auto insurance is mandatory to begin with, and given that we're currently living in a gawdawful economy right now, any savings in something like auto insurance means more money to millions of people that they could spend on luxuries like food or gas or utilities or rent. So this "voluntary" program could be argued to be de facto compulsory.

It's like 'how to boil a frog': you get 'em used to it one degree at a time.

[SoobieOut]

I use USAA, beats Progressive by 20%. Without the big brother box riding shotgun...

[rmay635703]

Originally Posted by Thymeclock

It's like 'how to boil a frog': you get 'em used to it one degree at a time.

The sad part is these type of policies were written about 10 years ago and possibly more, in that entities closely tied with the government would slowly get people used to being watched more carefully and slowly remove rights until the government/banking industry could chip people with your credit info right in your arm. They already are moving to have your phone be your credit card & bank with a uid. Public radio & even 60 minutes have been talking about being chipped (in your body) for this purpose because it would be convient and your loved ones would always know where you were. SIC There already is a so called child UID marketed so parents can locate their kids (and assumably anyone else)

The amount people are willing to give up just because they think it is easy or safe is quite amazing. Hopefully people start fighting this crap, we don't want to live in Hitlers Germany where you have to go through checkpoints and be badgered potentially every day for rather unimportant reasons.