I have State Farm with the device. I live in a neighborhood that I can only leave via a busy 55 mph highways. EVERY time I get what I call a DING for acceleration when I pull out into the traffic. If I encounter a vehicle pulling in too close to me and I apply the brakes, I get a ding. My insurance for autos, home and umbrella go up every year. I just received a bill that is 35% higher than it was just 3 years ago. We have zero claims, drive about 8,000 miles a year on two cars and NEVER use the phone while the car is mobile. I am being ripped off.
I also have state farm with the tracking device. my last bill, which i paid this week, was $75 for the month. I drive my scion like a grandma for the most part but i like to take quick corners. Its full coverage insurance and I don't mind the tracking because I barely drive anywhere but work, the gym and the grocery store. I haven't checked my driving rating in a while but I am guessing its around 70/100.
I also have state farm with the tracking device. my last bill, which i paid this week, was $75 for the month. I drive my scion like a grandma for the most part but i like to take quick corners. Its full coverage insurance and I don't mind the tracking because I barely drive anywhere but work, the gym and the grocery store. I haven't checked my driving rating in a while but I am guessing its around 70/100.
Lauren great information everyone appreciates your knowledge, but I would like to add just one more piece of good information for you and your viewers, The device sometimes called a dongle that your auto insurance company gives you to install into your diagnostic port of your vehicle can and in most cases due damage to your auto these insurance devices are not designed to be plugged in and left in your diagnostic port all the time. Thanks again
Yea I believe it’s a way to increase your insurance cause I started off paying 140 for me and my wife without the tracker in our cars and once we got the tracker we payed 120 a month we were so happy that we were saving money for being safe then later the rates increased to 130 then 140 now we are at 157 a month for 2 cars when we could of just stuck with the 140 a month and now when we say we want to quick the program and that the trackers out of our cars they say it’s going to be 180 a month for both cars it’s going to be 180 a month for both cars and that it’s best for us to just stick with it and drive safe 😂
It's! Wants to get your phone information; Y'all that's wicked. But you got to have a spiritual eye to see their evil 😈 and wickedness. Y'all better wake up. Stop putting these things in your car. Even these phones collecting your data. You giving them the right to track you ; When you put these beacons in your car. It's evil 😈 and wicked. I hope y'all read this and wake up. Wake up ; and see what they doing . If you accept this; You will accept anything they put out there.
I just switched to allstate auto insurance. Immediately I started getting notices to get their app to track my driving habits in exchange for a 10% discount. Mmm, I don't think so. Sometimes we need to defensively accelerate or brake quickly. Then these actions can be used against us as dangerous driving. That's a chance I'm not willing to take.
You have to think about it...why would a company go through the trouble of investing and creating this technology if the long term implications meant everyone saving 10-50% on their car insurance. The simple answer is: they wouldn't. They needed a way to justify raising drivers rates. They wrote the algorithm in a way that will find fault in the safest drivers. That defensive driving maneuver you just pulled that saved your life and everyone around you...well it just peaked the accelerometers and gave you a ding and will lead to another reason for them to raise your rate...and they don't care about the context of the situation. This is a resources extraction device, a trojan horse that comes in under the guise of safety and rate reduction...and objectively does neither. I personally don't know anyone that has one of these devices whose rates have gone down, but I'd like to see the data. I would predict(before even looking at the data) that this has been a successful endeavor for the insurance industry...increasing rates on average, and increasing profits across the board.
My local auto mechanic/technician garage recommended not getting one these OBD2 scan dongle for insurance. The Engine Control Unit/Module (ECU or ECM) and Transmission Control Unit/Module (TCU or TCM) with the OBD2 port are designed to engine and transmission operations, and to report codes to a mechanic/technician's OBD2 scan, on relatively short-term basis; not left in on a regular basis.
I just got progressive car insurance and my sister gave me her 2015 Buick Encore. I got the gadget THEN watched some you tube, and how the gadget can damage the battery, etc, YIKES . Backwards mistake. Sent the Gadget back. Will do more research on Insurance after this one expires....... Thank you for posting this, it is very helpful!
My elderly buddy just did this because his insurance tripled. He has never made a claim. Drives a 2006 Honda. Now with State farm he took the 10% discount and plugged the device in to the OBD 2 port. He only drives maybe 20 miles a week. I don't see how the monitoring device could harm the car's computer unless it's programmed to alter the perimeter's of the computer. The onboard computer is running calculations many times a second while he's driving around. Something that just monitor's and reports basic data should not affect the life of the computer. If asked by my insurer Farmer's I'd pass even if they offered a discount they can retract any time they want and raise premiums over something they don't like. These companies know way to much about us already. Give the device back and say no thank you.
My car insurance is currently trying to use my app data against me to deny a claim but i read my terms and conditions and luckily its specifically listed that it cannot be used to process or deny claims I’m hoping they stick to that 🙏🏿
@@brittanyowens5187 oh yea they screwed me nice n hard. Decided to drop the claim and switch companies before they could deny it and affect my driving/insurance history
You Tube Mechanic Scotty Kilmer says plugging in a Dongle to the under dash port can ruin your car computers as they are meant for short term up to a couple hours use to Diagnose a problem NOT be plugged in 24/7 sending data.
I didnt even sighn up for it they just sent it in the mail.its not on my policy as a discount for being in the program so im tossing their stupid little device in the trash.
What happens if you use a park & ride lot for public transit? Would the speed and drivers habits be recorded as your own if you use the phone app for auto insurance?
This is a brilliant strategy by SF. If their drivers follow all traffic laws they are very unlikely to be at fault in an accident. That greatly reduces the insurance payouts for at fault accidents. Since there are too many lawless drivers out there SF and others would rather not insure lawless drivers. They will eventually have every customer using these devices or they can look somewhere else for more expensive insurance.
USAA app is totally bogus. Dinged 3 times for stopping at red lights, instead of cruising on through. Dinged for checking messages while parked in a parking lot, dinged for checking an address while parked on the street, dinged for using my phone to open the garage door while parked in my driveway.
They do it anyways. Every since OnStar. Your cell phone should indicate what's your insurance rates should be by your compliance with rules, of the road, accordingly. Your cell phone should also shut off when it's going over 5 miles an hour and not turn on until it's been stopped for a short amount of time before you can actually call out or have the volume up. They won't do that because the cell phone companies would lose way too much money. They are the enabler for phone laws to be effective.
@@CarCoachReports awesome review Lauren I wanna know you thoughts 💭 on the future of Ford Super Duty truck like keep producing them or come out with electric
It looks like for the near future they will have diesel available as well as gasoline options. I’m sure they’re going to try to do electric vehicles, but right now there is a production stop because of battery failures and fires on the F150 Lightning’s. Fords number one selling vehicle is the F series truck, so I don’t think they’re going to stop making it. And if they decide to go all electric they’d lose so much sales they’ll never be able to regain those customers.
@@CarCoachReports so the Ford Super Duty is safe for now cause that’s my all time favorite truck since debut in 1999 n thanks for you time n how you like the 6.7 Powerstroke high output performance
I'm so sick of all these shafting company's and throwing the damn cost on ACTUAL safe drivers. State Farms program is utter nonsense to which is why i haven't signed up only considering it to save maybe a fraction of cost but their program is INDEFINITE. Yet they only claim you can mostly get half of the marketed discount. It's all a joke...
Thanks but data also tracked by Tesla iphone various apps. Is the Ave guy that important that where we drive us that important? I get if you’re billionaire movie or sports star. Big RU-vidr with millions followers. What do others think? I’m none of those guys. I just want to save a few bucks.
There's too many reckless drivers on the road. The police do not enforce traffic laws. If you drive prudently you have nothing to worry about. Young males in their souped up muscle cars should take note. Insurance companies have a vested financial interest in not paying massive claims due to reckless drivers
