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My insurance company is offering "up to a 30 Percent discount" if I install a vehicle monitoring device for 3 months. It supposedly monitors how far you drive, when you drive, and excessive acceleration and braking. It probably monitors a lot more, but that's all the offer list admits to.

The device plugs into the OBD port and sends the data to the monitoring company.

My concern with the insurance company monitor is that about half the time I drive the truck I am towing a trailer, and that the acceleration readings may be skewed towards "excessive" since more throttle is needed to get the trailer up to speed and maintain the speed on grades.

Anyone with experince, advice, or opinions? Thanks.
 

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They say that they will give you up to 30% discount but I know a guy his went up not down. I refuse to do it. One more intrusion into our lives.
 

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It also probably depends on how far you drive because if you drive over average miles that’s more risk for them. They have many full time people just doing risk analysis so it probably depends as well and if you’re in traffic a lot or expressway or country roads and they can tell a lot from the information that it collects.

In the end I don’t think they’re doing it to save you money unless you drive very few miles where and how they want you to.
 

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They say that they will give you up to 30% discount but I know a guy his went up not down. I refuse to do it. One more intrusion into our lives.
I completely agree about the intrusion factor.

However, the truck has Onstar that tracks all this stuff and probably way more. GM sends me a monthly report and every time I get it I feel like big brother has been watching me.

In fact, one of the things the GM salesman touted was the monitoring capabilities. He showed me on his computer how he was able to monitor his high school-age daughter's activities using the Onstar system. Where her car was then (in her high school parking lot), and where it had been driven, places she had stopped, how long she stayed, and whether she had been speeding. When I asked him if she was aware she was being monitored, the answer was "no." Scary, he could track her in real time just using the car's standard electronics.

When I was in high school it was rare that I ever drove straight home after school. Thank goodness these systems didn't exist back then.
 

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I am totally against these types of things. They tout them as a way to give you more discount but in reality they are trying to find ways to jack up your rates based on 'bad' things you do. I worry that in the not too distant future as more auto driving cars and nanny 'safety' features become standard they will pass a law requiring us 'manual' drivers to allow insurance companies direct access to your vehicle's computers to gather all that info. All in the name of safety but actually for their pocketbooks. The nannying never ends!

Rob
 

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I've heard to many horror stories about them to even bother considering it.

I do know that the system Progressive Insurance uses doesn't care about your vehicle acceleration. The "big" numbers they look at are the ratio of "hard brakes to miles driven" and the time of day you operate your vehicle.

I know several people that DID get bigger discount rates after using it for several months. The discounts paled in comparison to how much their base rates went up though.
 

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Sure, I'll do it ... but only on my "old" snow day car that I drive in the winter when a storm is expected, and once in a while to the local trash compactor. That car's got 330K+ miles, so I don't push it anyway.

But I wouldn't do it on any other car that I or my wife drives. Nothing to hide, just invasion of my privacy.

2 cents.
 

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Everything to lose and little to gain. I don't like the intrusion of privacy. You MIGHT get discounts, but you might not. I don't want any more monitoring of my activities than I absolutely have to. I won't have one of those devices you can have do all of your things in your house (such as ask it to play music, order things, answer questions, etc.) whatever they are called.

In my opinion, you only stand to lose by having the data used against you. What happens if you have to suddenly aggressively brake for a very valid reason (dog in the road, etc)? The system doesn't know WHY you took that action nor does it care. It simply scores the activity against you.

Plus, if you have one of those devices in your car and then remove it, especially if you have a less than stellar driving experience or demonstrate even one bad habit while the device was in use, you know it's going to result in your future rates being higher than had you never had it installed. I would also expect the insurance company will try and convince you to either extend the use of the device or to use it so many months per year to maintain any "discounts" you may have gotten as a result of it's use. I think its a door than once you open it, there is no way to ever close it fully again. It's like posting something on the internet, once you have done it, to some degree, the stuff that has been posted is out of your total control from that point forward.

There is already far too much data about what we do, who we do it with and where we do it and I would NEVER allow such a device in any of my vehicles. Plus my car insurance rates are already very low. I pay less than $140 per month for full coverage on 3 vehicles.......

One more thing, that Damn-Flo, the super annoying woman on the progressive commercials is nothing but offensive. And for some reason, Progressive likes to have neutered males on all their commercials who act like a bunch of effeminate, estrogen ruled males. Whatever happened to the strong silent type, you know, Gary Cooper in High Noon? Far too many sissified acting males as role models for boys and young men on TV and in the media these days.

I am actually in a pretty good mood today, despite how cranky my answer might seem...:laugh:....I just don't like to see the male image constantly torn down in commercials and on modern "entertainment". Men should act like men and not be skinny jeans wearing "shop-i-nistas's all excited when their Tiffany Blue "sneakers" from Ebay show up and he declares, like a 8 year old girl, "These are so my color" with giddy happiness which seems fairly disturbing..........At least the BUSCH beer commercials still show men camping and fishing and drinking beer. You know, wearing flannel shirts and doing guy stuff. Like getting their John Deere SCUTS and CUTS tractors stuck despite using tire chains all 12 months of the year. :laugh:

But there is, of course, the "Camp Song" commercial where the men are around a campfire and the one guy is playing a guitar and asking the other men about whether they have an "Innie or an Outie" and I hope he is asking about belly buttons........even that commercial is annoying.

No activity monitoring devices for me without a court ordered search warrant.......:nunu::nunu:
 

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My insurance company is offering "up to a 30 Percent discount" if I install a vehicle monitoring device for 3 months. It supposedly monitors how far you drive, when you drive, and excessive acceleration and braking. It probably monitors a lot more, but that's all the offer list admits to.

The device plugs into the OBD port and sends the data to the monitoring company.

My concern with the insurance company monitor is that about half the time I drive the truck I am towing a trailer, and that the acceleration readings may be skewed towards "excessive" since more throttle is needed to get the trailer up to speed and maintain the speed on grades.

Anyone with experince, advice, or opinions? Thanks.
One word...two letters....

NO!
 

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Everything SullyBear mentioned plus my two cents ( on top of his $200)...
I have watched extensive video of dealer employed mechanic videos, particularly modern Diesel engine repair. The computer controls used to control everything from engine, transmission and "body control" are astoundingly complex and sophisticated.
It is nothing short of amazing how technicians can utilize their computers to test and simulate when diagnosing.
There is no freaking way I would plug ANY piece of junk, made in China, third party device into my OBD2 port of any vehicle I own.
 

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I have 50 of these devices in our fleet vehicles. I have access to a ton of info on those vehicles. We are part of a program our insurance company is doing to set baselines. It even can send a text message to me when someone is speeding. It notifies me if a vehicle is low on fuel. It keeps track of speed over a set parameter, speed over a posted limit, hard braking speed/time, excessive acceleration speed/time. Ignition on and off times, history of everything the vehicle has done, locations from the last year, vehicles involved in possible crashes, average speed over time, fuel consumption, cost to operate per mile. I can watch a vehicle live and use Google Maps to track where it is or what parking lot they are in.

Those are just the things I remember off the top of my head, there is more. It's handy for fleet management. Would I get one from my insurance company for my personal vehicle, not no, but hell NO.

If you want to monitor your children or your vehicle you can buy them on amazon for about $100 a year and not involve your insurance company. You can track your children using the google account on their phone or through snapchat, free or at least a price you've already paid.
 

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I have progressive and I did it alike 2 years ago. I have a 2006 HD Duramax On 35’s. Most of the time I was driving about 60 miles round trip with my work trailer which isn’t good for the best discount. It seemed like they was mostly worried about hard breaking and speeding. I had to have it for 6 months. I was paying $240 for 3 vehicles and full coverage. It dropped to $220 a month because of my good driving. Would have been more of a discount but I drove to far everyday and mostly during the busy hours.
I put it on my wife’s car and it was beeping every day because her driving sucks lol. After 1 week she took it out and sent it back in 6 months with mine. They didn’t up the rate from hers. I don’t have onstar activated so they can’t monitor anything real time. Only from whatever data they collect I guess.
Best thing is put it on cars you don’t drive to often. Keep them under 30 miles a day on average.
Also if I remember right it says you can take it off your car up to 2 times in the 6 months. Maybe if you need to make a long trip or just feel like hot Rodding lol
 

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Well, it turns out that out of my 4 vehicles, the Liberty Mutual devices are only compatible with one of them. But I can still get 5 percent off the premiums for those three imcompatible vehicles even if I sign up for the 90 day monitoring period just for the one that it does work with. On that one I get 5 percent automatically, and up to 30 percent if it's driven up to their standards.

Seems their system won't work with my pre-1996 vehicles, or with my newer heavy duty pickup.
 

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No way in hell would I have one of those electronic snoops in my vehicles. The discounts would have to be pie in the sky high in order for me to change my mind.

The only things that get plugged into my vehicles OBD-2 port are; mechanics' diagnostic equipment, the every two year hassle to have an emissions test, and my code reader that talks to my smartassphone.
 

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I have 50 of these devices in our fleet vehicles. I have access to a ton of info on those vehicles. We are part of a program our insurance company is doing to set baselines. It even can send a text message to me when someone is speeding. It notifies me if a vehicle is low on fuel. It keeps track of speed over a set parameter, speed over a posted limit, hard braking speed/time, excessive acceleration speed/time. Ignition on and off times, history of everything the vehicle has done, locations from the last year, vehicles involved in possible crashes, average speed over time, fuel consumption, cost to operate per mile. I can watch a vehicle live and use Google Maps to track where it is or what parking lot they are in.

Those are just the things I remember off the top of my head, there is more. It's handy for fleet management. Would I get one from my insurance company for my personal vehicle, not no, but hell NO.

If you want to monitor your children or your vehicle you can buy them on amazon for about $100 a year and not involve your insurance company. You can track your children using the google account on their phone or through snapchat, free or at least a price you've already paid.
My big truck had all that monitoring when I worked for the postal contractor. They were on the leading edge of all this technology with the postal service. As a driver I really didn’t care. The system would give a certain tone when for example I had a hard braking event. That happened twice with me over the years for which I had very good reason.

But after I had to stop working they were starting to fit the trucks with both a forward facing and driver facing camera. The forward facing one I wanted being I was driving through the Hudson Valley of NY, Connecticut, and Massachusetts. But the driver facing one - no thanks.
 

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No insurance company has ever done anything to solely save the client money.

Anything they do is too increase their profit margin. :nunu:
:good2:
 

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MDrew -

In one of the places that I worked overseas, one of our service company providers had monitoring devices on their company cars. They revoked driving privileges when employees misbehaved. My boss at the time thought that our company should install these devices in the employee's personal vehicle. I muttered that they could do whatever they wanted to my vehicle when they bought it from me

There is enough intrusion into our lives at present. There will probably be something on my wife's facebook feed the next time I look at it.

Brian

I have 50 of these devices in our fleet vehicles. I have access to a ton of info on those vehicles. We are part of a program our insurance company is doing to set baselines. It even can send a text message to me when someone is speeding. It notifies me if a vehicle is low on fuel. It keeps track of speed over a set parameter, speed over a posted limit, hard braking speed/time, excessive acceleration speed/time. Ignition on and off times, history of everything the vehicle has done, locations from the last year, vehicles involved in possible crashes, average speed over time, fuel consumption, cost to operate per mile. I can watch a vehicle live and use Google Maps to track where it is or what parking lot they are in.

Those are just the things I remember off the top of my head, there is more. It's handy for fleet management. Would I get one from my insurance company for my personal vehicle, not no, but hell NO.

If you want to monitor your children or your vehicle you can buy them on amazon for about $100 a year and not involve your insurance company. You can track your children using the google account on their phone or through snapchat, free or at least a price you've already paid.
 
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