06-29-2008, 04:55 PM | #1 (permalink) | |
Tilted Cat Head
Administrator
Location: Manhattan, NY
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Would you let your car help you get cheaper car insurance?
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I didn't like the idea initially, I have heard of such tale many years ago for rental companies outside of NYC. This was the first time I had any experience with it. The major auto rental companies haven't applied such technology yet. It bothered me initially, but then I started to think about how it would apply to me in the real world for my own car. Would I also be bothered? The short answer is no. I don't care if they see that I'm going to the grocery store, Home Depot, or my visit my aunt in NJ. Here's what I do care about, I do care that they see I drive less than 8,000 miles a year, that's part of my contract with them. If I can get a policy that insures me for exactly what I drive, I'd rather pay that because I'm sure it would be less. If the policy could even be just within the tristate area and if I go outside of that jurisdiction I pay a little more. What I'm wary of is if they look at the average speed and state that I'm a speeder instead of the fact that I generally go the speed that the flow of traffic is going. Suddenly my policy goes up because I've sped 10 times and that puts me into a higher risk category. What do you think of such a technology? Beneficial? Despicable? too Big Brother?
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06-29-2008, 06:05 PM | #2 (permalink) |
I have eaten the slaw
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I don't care about an insurance/rental company knowing how far I drive or what speed, but where I go or when I'm driving is none of their business.
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And you believe Bush and the liberals and divorced parents and gays and blacks and the Christian right and fossil fuels and Xbox are all to blame, meanwhile you yourselves create an ad where your kid hits you in the head with a baseball and you don't understand the message that the problem is you. |
06-29-2008, 06:16 PM | #4 (permalink) |
Insane
Location: left coast
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I can understand why people would be wary of this sort of technology. Personally, I wouldn't mind having one installed in my car. I'm all for trying to get the best deal for my money, and who couldn't use a few extra bucks these days??
Even if they could theoretically track my location, I still don't think it'd bother me that much. I don't really lead that much of an exciting life, and I doubt it'd really be that exciting to anyone that my car goes to my office, gym, grocery store, and home. My gut feeling tells me that the insurance company would be restricted in revealing locations except by some sort of court order. Bottom line, if this gets me a fairer deal on my insurance based on how much I actually drive, it sounds like a no-brainer to me. And if accidents go down because people aren't speeding as much, isn't that better for society and the environment? If only health insurance could work like this... |
06-29-2008, 06:25 PM | #5 (permalink) |
Junkie
Location: Greater Boston area
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Sounds like it could be used to deny claims too which is probably the real reason they want people to use those things. They don't care about saving the consumer money, they just want to improve their bottom line. I don't want my driving habits dictated by an insurance company whether directly or indirectly. If the insurance companies really wanted to reduce claims and save people money, they should be going for more driver education instead of electronic monitoring devices.
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06-29-2008, 06:25 PM | #6 (permalink) |
peekaboo
Location: on the back, bitch
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Braking information??? I live in NJ, the "Brake for Everything" state.
My insurance company already asks for annual mileage on each car-I don't want some satellite communicator to tell them otherwise. It used to ask for a daily mileage as well, primary usage, etc. Two or three times a year, I drive to Tennessee or North Carolina, usually at a high rate of speed(I've gotten the tickets to prove it ). By reporting every 6 months, those trips would jack up my average mileage...then it'd go down....then it'd go up again. I'd never know what my premium would be. This is way too Big Brother for my tastes. |
06-29-2008, 06:35 PM | #7 (permalink) |
Living in a Warmer Insanity
Super Moderator
Location: Yucatan, Mexico
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I pretty much walk and or take the bus anymore but I don't like the sound of this- too big brother for my taste.
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I used to drink to drown my sorrows, but the damned things have learned how to swim- Frida Kahlo Vice President Starkizzer Fan Club |
06-29-2008, 08:26 PM | #8 (permalink) |
immoral minority
Location: Back in Ohio
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On my electric car that I am building to go around town, it would be ok. There is nowhere 'bad' that I could go or do with it. And I will only drive 2000-3000 miles a year with it, and I wouldn't want to pay too much.
But my insurance rates are very low anyway. Would they be able to take the risk of offering me $70/6 month insurance instead of $120/6 month just for knowing how I drive? The other gas car doesn't have OBD2, so I couldn't get it for that. But I would be concerned with them tracking it to a bar and when I leave (I don't drink at bars though) see me brake hard, swerve, or get in an accident. I wonder if the police will be able to use this to track which bars are letting people drink and drive when they bust someone for DWI/DUI? |
06-29-2008, 11:34 PM | #9 (permalink) |
Comment or else!!
Location: Home sweet home
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I have a perfect driving record in my 5+ years of driving. I don't even get a stop over from the police before so I shouldn't be worried. But whether or not I have something to hide isn't the issue. The thought of being watched is a bit unnerving.
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Him: Ok, I have to ask, what do you believe? Me: Shit happens. |
07-01-2008, 05:31 AM | #11 (permalink) |
©
Location: Colorado
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Hell no.
I'm a fairly skilled mountain driver, I am not a "good" driver. I drive too fast, I drive too many miles, doing stupid stuff on a motorcycle is a good time to me. I also have 1 accident in 30 years (damn black ice), and 2 tickets in the same period. The insurance companies can live with the info they have. |
07-01-2008, 11:28 AM | #13 (permalink) | |
Lover - Protector - Teacher
Location: Seattle, WA
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"I'm typing on a computer of science, which is being sent by science wires to a little science server where you can access it. I'm not typing on a computer of philosophy or religion or whatever other thing you think can be used to understand the universe because they're a poor substitute in the role of understanding the universe which exists independent from ourselves." - Willravel |
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07-01-2008, 11:35 AM | #14 (permalink) |
Wise-ass Latino
Location: Pretoria (Tshwane), RSA
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I drive like a madman. There's no way I'd want my insurance company to see that.
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Cameron originally envisioned the Terminator as a small, unremarkable man, giving it the ability to blend in more easily. As a result, his first choice for the part was Lance Henriksen. O. J. Simpson was on the shortlist but Cameron did not think that such a nice guy could be a ruthless killer. -From the Collector's Edition DVD of The Terminator |
07-01-2008, 01:46 PM | #15 (permalink) |
Dumb all over...a little ugly on the side
Location: In the room where the giant fire puffer works, and the torture never stops.
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I would be reading the fine print VERY, VERY carefully before signing up for this.
Here's an article detailing some of the very creepy ways big companies are using/planning to use hi-tech to monitor and/or market (to) you.
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He's the best, of course, of all the worst. Some wrong been done, he done it first. -fz I jus' want ta thank you...falettinme...be mice elf...agin... |
07-01-2008, 03:07 PM | #16 (permalink) | |
Tilted Cat Head
Administrator
Location: Manhattan, NY
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Quote:
__________________
I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not. |
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07-01-2008, 03:13 PM | #17 (permalink) |
Sauce Puppet
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My insurance would have to be free to even consider this. Sure, I'd drive absolutely perfect if I had this device and didn't have to pay insurance, and they would cover anything that happened to me, my passengers or my vehicle. If they want to charge me and have such a device installed I agree with other sentiments "go fuck yourself" would be my reply, and I would search for another insurance company that didn't have such a program.
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In the Absence of Information People Make Things Up. |
07-02-2008, 04:27 AM | #18 (permalink) |
That's what she said
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No thanks. I dislike auto insurance companies enough as it is... I don't need another reason.
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"Tie yourself to your limitless potential, rather than your limiting past." "Every man I meet is my superior in some way. In that, I learn of him." |
07-02-2008, 11:18 AM | #20 (permalink) | |
Wise-ass Latino
Location: Pretoria (Tshwane), RSA
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Quote:
__________________
Cameron originally envisioned the Terminator as a small, unremarkable man, giving it the ability to blend in more easily. As a result, his first choice for the part was Lance Henriksen. O. J. Simpson was on the shortlist but Cameron did not think that such a nice guy could be a ruthless killer. -From the Collector's Edition DVD of The Terminator |
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07-02-2008, 03:53 PM | #21 (permalink) | |
Upright
Location: reykjavík, iceland
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mother nature made the aeroplane, and the submarine sandwich, with the steady hands and dead eye of a remarkable sculptor. she shed her mountain turning training wheels, for the convenience of the moving sidewalk, that delivers the magnetic monkey children through the mouth of impossible calendar clock, into the devil's manhole cauldron. physics of a bicycle, isn't it remarkable? |
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07-02-2008, 06:47 PM | #22 (permalink) | |
Dumb all over...a little ugly on the side
Location: In the room where the giant fire puffer works, and the torture never stops.
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I could SWEAR I put the link in my reply... anyway, here it is: http://www.cracked.com/article_16434...ar-future.html
__________________
He's the best, of course, of all the worst. Some wrong been done, he done it first. -fz I jus' want ta thank you...falettinme...be mice elf...agin... |
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car, cheaper, insurance |
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