(02-11-2020, 11:13 PM)Vas Deferens Wrote: There are a lot of old and new companies playing in the 'insuretech' space that utilize telematics to adjust your rate up or down based on data about how fast you drive, quickly you stop and number of miles you drive.  In the end, the insurance is supposed to be cheaper for good drivers.  I am not a fan of this angle either.  

SW - are you in OH?

(02-12-2020, 12:10 PM)fredtoast Wrote: I love the idea of monitoring drivers so that safe drivers get lower rates.

That is the way it is supposed to work.  I don't pay the same health insurance rates as a smoker who is 100 lbs over weight, so I shouldn't have to pay the same car insurance rates as assholes who don't care how they drive.

(02-12-2020, 01:53 PM)XenoMorph Wrote: if it doesn't monitor how often they are looking at their phone their speed is hardly an issue.

(02-12-2020, 02:19 PM)grampahol Wrote: I'd prefer periodic testing of all drivers. As it sits now you can get a drivers license at 16 and never have to be tested again your entire life as long as you never get a suspension no matter how lousy the habits you acquire over the years. My father had terrible driving habits, but kept the same license for nearly 70 years. He only had to stop driving when he went blind. If he had been tested every ten or twenty years his bad habits wouldn't have gotten as bad when he lost his license for awhile.
Personally I think everyone should face a suspension periodically and have to drive anyway. Let me tell ya..when you're driving under a suspended license you really think about speed, turn signals and so on ESPECIALLY is you see a cop within a few miles in any direction.. This is from some years of experience in the subject at hand.

(02-12-2020, 02:02 PM)fredtoast Wrote:
People who are constantly looking at their phones have to make a lot more sudden stops.

And speed is a HUGE issue.

(02-11-2020, 07:48 PM)sandwedge Wrote: Since I'm on my own now, I had to go get car insurance, because mine was bundled into the house, which I lost. So I bundle it with my farm property. The agent told me I needed to put the safe driver device in my truck. Anyway I got the device in the mail today and was reading the instruction. Apparently if it detects you're a "not so good driver" your rate can go up. Something my agent didn't tell me. I've never been involved in an accident or had a ticket. I called him and told him, ain't no way I'm hooking this up. Anyone else have to deal with this? Is it mandatory now?

(02-11-2020, 07:48 PM)sandwedge Wrote: Since I'm on my own now, I had to go get car insurance, because mine was bundled into the house, which I lost. So I bundle it with my farm property. The agent told me I needed to put the safe driver device in my truck. Anyway I got the device in the mail today and was reading the instruction. Apparently if it detects you're a "not so good driver" your rate can go up. Something my agent didn't tell me. I've never been involved in an accident or had a ticket. I called him and told him, ain't no way I'm hooking this up. Anyone else have to deal with this? Is it mandatory now?

(02-16-2020, 09:56 PM)michaelsean Wrote: And how come you aren’t using that armed forces insurance I’m always seeing commercials about?  They make it seem like you get paid to use it.