DON'T USE Insurance Tracking Devices To Get A Discount! 

Why did you hit that car? "I didn't want to brake hard and be labeled a high risk"

Rob, I think you missed the biggest point about this. The whole thing is a ruse. It's not about getting you a lower rate. It's about collecting your data; ie. driving patterns, stop locations, average travel time, average speed, etc. and selling it to 3rd party companies who then use that to advertise to you. All you are doing is making additional money for these insurance companies. Insurance companies do NOT want to get you a lower rate. They will however make you think they want to in order to get you to give them data they can sell.

I put my cell in my grandmas car...She’s doing 45mph in a 50mph highway...She never brakes hard because She’s barely moving...and after her 50 trip, I had a Super Very Low Risk Score !! 😘👵🏼😂

"Why didn't you slam the brakes when you saw Timmy running into the street after his ball?" "Because my insurance is going to say I am high risk if I hard brake."

Yeah insurance companies are as trust worthy as social media outlets.

State farm sent me one and I was supposed to install it on my moms Honda CRV. Never installed it and I still got the discount 💪

We're tracked wherever we go through our cell phones, computers, or any other device that connects you to the web. I don't need my auto insurance company snooping on me too!

"Trust" and "Insurance" in the same sentence... LOL

They wouldn’t go out of their way to develop and market these driving tracking if it didn’t make them more money.

i think they have seen your super speeders videos and your automatically high risk.

Rob ur 100% right I have the same experience, I did the progressive thing and not a single hard break or anything for 6 months returned the package and got $0 discount, operator told me they’ve already give me the lowest price they can......2 of my buddies did the same test and got the same answers .... one word **SCAM**

it's naive to think these trackers are to determine if you're a safe driver or not, their purpose is to have you willingly provide the company any flimsy excuse they can think of to increase your rates.

Being a young adult who drives a fast car and rides a motorcycle in a state with the highest priced insurance across the nation, I have spent over $6000 insuring my vehicles in less than 2 years.. Everything about insurance blows, until you need to make a claim and then you get screwed for making a claim after the fact by them upping your rates. But you can't drive without it because if you do either you are breaking the law or when you get into an accident and the other party finds out you don't have insurance they come after everything you're worth. A giant corporate scam.

I'm a great driver. Thanks Rob I loved watching this video while I was driving my 6 speed Mustang down the freeway at 90mph while also eating Chinese with chopsticks, taking a business call and getting road head. 😁😁😁😁😁

I was always sketchy about this insurance thing, and you pretty much confirmed my suspicions.

Car insurance as it is now, is the worst kind of scam: privatize the profits, socialize the losses. Real car insurance would have each driver carrying his own bond. Some would be able to self insure, but most would have to finance their bond based upon individual risk. The perfect driver would pay fifty bucks a month, while the driver with three at fault collisions would pay a few hundred a month. I wouldn't mind a member owned mutual car insurance company that prevents risky drivers from buying in, and kicks out those who become risky drivers. Where's that insurance company?

I could have told that one ahead of time. They even use location to see if there are high claims where you frequent. They won’t say it but I’m in IT and know first hand they do!

I live in Arizona and the speed limit on our highways is 75 meaning traffic is generally going 85 or even more. I am 68 years old and when I am on the highway I literally camp out in the right hand lane doing my 70-75. Esurance gave me no discount. I have had no tickets in the past 45 YEARS, no at fault accidents ever. I drive a Kia Soul.

Over a minute of ads... Actual video starts at 1:27 for anyone interested

When I looked at mine, it penalized me for speeding on an on ramp to the freeway where the speed limit was 75mph. Claimed I was going 40mph over the speed limit. Was I supposed to wait to speed up from 35mph until I was actually on the freeway? How long do you think you will live doing that? Whether by wreck or a bullet from road rage, not very long. These system are flawed systemically.

Today rob spaghetti tells us how insurance companies try to take all the pasta for themselves.

Insurance screws you over as much as the dollar shave club.

I don’t want my insurance knowing I drive my car hard and having them use that as an excuse to get money from me.

Don’t mess with MY DISCOUNT

I want to hear rob rant about speed limits

You should get the Tracking device and go out to the nearest road course after plugging into your race car. The data should be interesting.

10:42 "Oh, he went to grad school, he's probably a better driver. NO the guys probably an alcoholic and is going to flip his car over a bridge!"

1:30 to skip ads

My dad put a tracker in my car so we could get a discount from Progressive. I noticed it beeped every time I did something not deemed safe. Pull out of my garage so I don't pour exhaust into the house without putting on the seatbelt? Beep. Someone cuts me off on the freeway so I have to hit my brake to avoid a collision? Beep. Make a quick turn without slowing down to avoid the guy behind me who is riding my tail from slamming into me? Beep. I finally just took the thing out because I realized it was tallying my safe, defensive driving maneuvers against me. If it's looking at my first 50 drives with the tracker on, then I'm already super "high risk" because like you said, everything is being tallied out of context.

That guy is doing 45 in a 50 he’s a safe driver! No he isn’t he’s in the way! I laughed so hard at that line it’s unreal. I can relate to that so much

I said no to that, as a volunteer firefighter. My driving is way different in an emergency than normal driving. I still use blinkers in an emergency though. Lol

I was offered this automerit part to my car insurance. I got the agent to actually agree with me that if I am on an express way doing 7 clics faster than the speed limit while everyone else is doing 90 + would it be considered breaking the speed limit and used against me. He said yes it would that I would need to respect the speed limit. Yes, the reality is that maintaining the speed limit would probably be the cause of an accident happening. This is what happens when these fools dictate their agenda to drivers from their ivory tower. Pff!

Says he’s high risk and that he should be... Insurance: “We see your name is superspeedersrob”

Insurance is a racket in general.

Good video and good advice. I'm insured through Allstate and my agent wanted me to sign up for their DriveWise program that would require me to install the OBDII tracker on all my vehicles to see how I drive. I was told all the same BS you were given about my rates not going up as a result of what they see and that the device doesn't record GPS location. I told my agent that I would switch insurance companies before I agreed to a tracker on my car for a lot of the same reasons you just mentioned. I see no reason why my insurance company should get to track everything I do with my vehicles when I am the one paying them. There is nothing wrong with the old fashioned means of insuring a vehicle by assessing risk through checking up on claims filed and insurance/credit history.

Definitely a trap they got me and raised my insurance by almost 30% 🤦🏽‍♂️

I used one the plugged into the OBDII port for Allstate. They dinged me for driving to work at 4:30 in the morning, and for driving home at 5 at night during rush hour.

I have all my insurance with State Farm -- car, home, life, everything. I will *never* use those OBD2 "monitor" things that they want us to use to get a "discount." I've not had a claim since 1994 when I swerved to avoid a car and wound up hitting another, and of course it was ruled my fault -- lesson learned. *NEVER SWERVE*. Anyway, back to the topic at hand, they can go off my claim record. They don't need to know every last place I'm going and how fast I'm getting there. And the reason I use State Farm instead of any other insurance company -- as a policyholder, you *own* a piece of the company. If the company makea a profit, you get a piece of that profit. So at the end of the year, you get a check back, unless they had a bad year, of course (lots of hurricanes, for example.) No other insurance company does that, as far as I know.

This is why we need better regulations. The average person is both the purchaser & the product.

Hah. They offered that to me and I literally told the guy, “nah eff that”. He laughed and said he agreed

Good grades don’t make you a better driver

I can't believe you of all people thought this was a good idea!

Interesting insights and thoughts, thanks for sharing

And the ad to this video was a state farm "good driver discount" Perfect

Those insurance trackers are the adult equivalent of when teachers let you pick your seat/desk in grade school.

I used the progressive OBD2 plug-in and my rates went down $400 within 6 months. I was 18 when I got my license then bought my first car, a 2005 Subaru Outback with the base 168 crank hp motor and a 5speed. This car had 315k on the odometer when I bought it for 1100 dollars. Went to insure it and progressive (they had the lowest rate by far surprisingly) charged me $1691 to insure! FOR 6 MONTHS!!! Opted into the program and after another 6 months I got my bill and it was $1250. They do save you money. The shocker was that I had the data show me I was at least 10 times as bad as you Rob. Probably even more. I have no clue how it equals out but if they’re going to discount me $400 I can’t be high risk.

"No he's an alcoholic thats gonna flip his car over a bridge" 😆

Best part I got an ad for the insurance app on his video 😂

This is exactly why I will never get insurance with a tracker! I downloaded an app (didn't give them any of my details) drove perfectly for the 250 miles they wanted - I was getting special badges in the app for smooth cornering etc, didn't slam my brakes on at all, never broke the speed limit and I got 4 out of 10! They basically want you to drive around like a granny doing a maximum of 40 in 60 zones etc, which like you said is more dangerous because you are causing an obstruction to everyone else. Its a con.

Had snapshot, it's also ridiculous. On my wife's VW she drives to preschool and the office it would record lots of hard braking. Shouldn't have gotten the big brake option on the Passat 😏

I used one through Progressive and my insurance went up. I don’t drive aggressive in my Volvo and lived in Boston. They wanted me to send it back, so I threw it out lol.

Why in the world would Anyone forfeit their privacy?

blackbox for your car. 1 mph over, claim denied

I got a StateFarm ad for Drive Safe and Save in the middle of this video.

I don't know if it's the same in the U.S. but in the UK, they also track your location and include things like if you drive through an area known for high vehicle theft, for instance, as well as monitoring your actual driving in your risk assessment! Even though you're only passing through and you're vehicle isn't actually at risk of being stolen as you are in it, driving it, they still consider that a risk and charge you extra for the privilege.

I agree, I've been forced to use this app on my phone and I have never had an accident or filed a claim in over 50 years of driving. I was flagged for distracted driving although my phone links to my truck and I don't have to touch my phone, I just push a button and the call comes through my speakers and the truck's microphone picks up my voice. So it's like I'm talking to someone in the passenger seat.

My friend has that insurance thing. I was riding with him and he had people honking at him because he couldn't accelerate from a light. He had people flying by him on all roads, traffic backing up behind him if there was no passing lane, and when we had an exit ramp that had a tight turn he got dinged for heavy braking because the app didn't ping his location often enough and it couldn't account for the tight ramp. Once I grabbed his phone to text someone our ETA and he got dinged for erratic driving because it felt the acceleration from me picking it up. I told him to just not bring his phone and he said that if the distance driven on the phone doesn't match the car he gets extra fines or something. Once when I was driving my car he looked at his phone and it thought he was driving and he got dinged for a ton of stuff I did. He had to fill out forms to say it wasn't him driving and wasn't his car. While going up a hill once he got hit with a heavy braking incident because he took his foot off the gas and the car slowed down because it was going up a hill. He didn't even tough the brake.

Did you honestly think they wouldn't ding you for speeding? It doesn't matter how good your reason is, that just seems obvious to me. Friends of mine who have these and drive slow do see significantly lower rates, although they did still decide it wasn't worth it. Side note, most of these trackers use an OBDII dongle. Putting an app on your phone that constantly runs in the background, tracking your location, tracking your usage and using up you battery sounds like a really dumb thing to sign up for to begin with.

I drive a Prius and if I drive like they want I get lovely hand gestures and horns. Never use the driving trackers as what this video says is completely true. I used to deal with this when on Allstate due to people hitting my old cars years ago and none were caused by me so Allstate said High Risk since people liked to hit me. Dropped Allstate and have never had an issue. I have been driving since I was 8 years old on all sorts of vehicles, motorcycles to 18 wheelers, they are all good to me.

Insurance companies do not take into account distractions from phone use because many times it's the passenger who is using the phone. I just contacted State Farm and told them that many times my passenger is on the phone and they told me even if I get a one-star because of phone use they will not penalize me for that star they only take into account all the other factors.

EVERYTIME I call my agent he asks for them to put a monitor in my car. I even asked him if they could possibly raise my rates after having it, and they said yes. So that was an instant no from me. Additionally, how accurate can the information from a phone app even be?!

When I had progressive nothing on their print said that they track speed...just can't brake harder than 7mph per second or something like that...needless to say I took my car to 140mph a lot of times. And still got like a 25 dollar discount of what I was paying

Thank you so much exactly what I’ve been searching for and completely agree with what you said you have maintain the speed of the cars around you we can’t be a impediment

Because of "whatever".. Has videos of himself participating in multi state street races.

I knew I would never pass their test. I sometimes will hit 104 mph just to get my blood flowing.

If you ever do file a claim, insurance never pays out until you file an actual lawsuit in court against the driver.

Thank you for the video. I just signed up with Safeco, and they said if used their tracker app, I could get as much as $90 off of my insurance. I was dubious, but I downloaded the app. I only made one short drive since I downloaded the app. My mobile kept notifying me about the app checking my location many, many times through the day. It worried me, so I did a search on RU-vid to see what people might be saying about these apps, and I found your video. I just deleted the app from my mobile. I hope I did it in time. I have never liked apps in the first place and rarely used any of them save for the weather app Dark Sky and a couple of grocery store apps. I never liked the grocery store apps because I knew they were tracking and collecting as much personal data as possible. After viewing your video, I will never use another driver tracking app or anything similar again. Generally speaking, as far as I am concerned, apps are evil things. I just hope I deleted it in time before it hurt my rates. Like you, I am a very good driver, and since I am retired, I drive very little anymore. The last thing I need is for my rates to increase because of some insidiously evil app. Thanks again!

My friend did it who is a new driver. It dropped his rate a substantial amount. He’s a very good driver so there was never an issue. Unfortunately they discontinued the plan the following year. So in his case as a new driver it worked out well and save him a lot in Ontario Canada...😀

The "In The Way" drivers aren't a Risk to their insurance carrier. Risk being defined as at fault and having to pay damages.

Honestly I would just find a way to spoof all the metrics they are collecting.

Thank you for great video. My insurance agent read me the criteria for assessing risk and guess what , those app devices serve only as data collection.

I saw ads for Root and after thinking with skepticism for a long while...I finally said...okay fine. I will try it. I mean, if They are getting information from an app on my cell phone, how are they getting that in depth info, or more importantly what info are they getting?? How can they tell if I'm driving, or a passenger in someone else's vehicle a, or on a bus, or something else like that? Are they just using my cell phone's GPS system? What other information are they getting about my daily routine? I ended up letting the program track me for one month during my regular routines. Finally they gave me a quote that really was not far off from what you would get from other companies by just sharing your driving history. I didn't feel like it was such a benefit to leave my current provider to sign up with them. Now I'm trying to make sure to scrub the app from my phone.

Rob we've seen you drive buddy. (SuperspeedersRob) telling us how he wasnt speeding🤣

Completely agree. Those trackers are bad news. And seriously, how stupid does a company have to be to send a client a notice telling them they’re a bad driver with hardly any information. It’s basically asking them to cancel their policies...which I hope Rob did.

Hey you're in my area! Got to love the taconic for safe driving lol

i have done the progressive snapshot. it does not use gps (or at least it didn't when i had it) so it does not measure speed limit vrs actual speed, mostly looks at hard braking and acceleration via the vehicle speed sensor. also monitors the time of day and how far you drive. when i did it on one vehicle it was winter time and i got flagged for a hard acceleration and hard brake within like 2 seconds of each other. basically accelerated from 6mph to like 15 back to 6-7 within a second or 2 and the matrix is something like 5 mph per second. the trigger was a tire spinning a tire on ice in the winter time accelerating from a stop sign, tire slips indicated speed jumps up you lift off the throttle to regain traction and the indicated speed jumps back down to road speed. i called them and explained it to them the cause and that it would be physically impossible to accelerate and then brake that much in that short of a time. and they removed the strike. i ended up getting something like 90% of the maximum discount. i would not want to use any system tied into my cell phone as they could collect so much more data about you not just when your in your car.

Activate teen driver and see how you score..

A friend of mine had insurance rocket up because he got stuck in the snow and he was revving high to get it out. I believe it was Progressive’s “Snapshot.” His insurance went up almost $70 a month just because he was trying get out of his own driveway. Luckily he was able to get out of the rate increase and immediately ditched both the system and the company.

“HES JUST A WRECKING BALL ON THE HIGHWAY” 😂

You seem like a smart guy, the fact that you would ever take part in this sham surprises me.

I never ha a crash in 15 years driving 2end hand cars .. i buy a new car... hit by 3 people in 18 months.. ...for fck sace

Thank you for the public service warning. Insurance companies are in business to collect premiums. Period. This is a scam and a ruse to jack premiums as you pointed out. If the claim history and driving record don't tell the story, a tracking device won't help. Reminds me of life insurance b.s. where Olympic marathon winners are still not classified as a 'preferred risk.'

I was thinking about using snapshot in my truck, but I've been worried that it might not be a fair assessment of my driving because I tow quite often. I have to press the gas and brake harder than average with the weight on my truck. So I wonder if it is monitoring the data from the obdII port.

Last week I received my new bill after my first six months with State Farm's "Drive Safe & Save." I had taken a trip to Florida which was roughly 1,800 miles roundtrip in my car and I averaged well over the speed limit on that trip. They advertise a savings of "up to 5%." My first discount is $52.03 for using their transponder linked to my smartphone. That represents a saving of 17% on my six month premium. I've never used any others but will keep using the one State Farm provided me as long as this savings amount continues.

Never would I agree to Progressive Insurance's tracking BS or any other insurance offering. The fist up my arse working for the government is already too much. When I log-out from work for time-off or vacation, I'M off the planet in my mind.

Rob, thank you for making these videos. I couldn’t tell you how much I’ve learned from just tuning in.

I used a sensor from Progressive for six months 4 years ago. It was on my van but I mostly commuted on my motorcycles. I get a 20% discount.

Great topic to address Rob! Thanks

Get one of the obd2 insurance monitors and use code injection to show them you're doing 350-500mph going through downtown NY 😂😂😂😂

I could of Swore i paid for RU-vid Red to AVOID ADVERTISEMENTS....WTH?

I drive a gen 2 volt as well, its actually pretty zippy around town with 300 lbs of instant torque

I just got a ad from State Farm with the tracking device while watching this video lol 😂

There is always an excuse to monitor where you are, what you are doing, and when. Just look at the stupid speed tracking stretches of roads we have that measure your average speed and gives you a ticket, people ALWAYS drive way too slow, out of fear of getting a ticket.

Yeah if you drive boringly sure try it, but anyone else forget it

As a 21 year old with a semi new license, I used Root, which tracks your driving for a amount of time that depends on how much your drive. Which uses acceleration, hard braking, if you drive late at night, etc. I was paying almost $100 with GEICO. I know pay about $60 with the same liability coverage. As well as towing payback included with every insurance policy. Root is doing it right and doesn't give you a quote until they track your driving. Your quote is purely based on your driving.

I was a passenger and the lady was driving 10 to 15 miles less than the speed limit so she could be told on her app what a good driver she was. I was about ready to pull my hair, What about all the irritated drivers behind her? How many accidents does she cause? Then she ran a red light stating she was going to do it in advance as we were in a less populated area!

I like Robs videos, They entertain me. So I dont mind having adds if it makes it easier for him to provide entertainment And make a living.

It will be a cold day in hell when I ever willfully agree to give any insurance company ANY information about me more than what is absolutely necessary. Insurance companies are NEVER trying to be "nice guys" only looking for ways to make more $$

my hard braking and fast acceleration saved myself countless times from accidents. Gonna put the tracker next time I go to autocross, let set a new bar!

I was always wary of these things and this sealed the deal for me.