Do you have a tracking device with your auto insurance?

[disneysteve]

Do any of you have one of those devices that tracks your driving habits to lower your auto insurance rates? If so, do you know how much of a difference it has made in what you pay?

[jacklpalmer]

At best, they're a gimmick. Auto Insurance companies are starting to raise rates for certain driving indicators as well. I won't do it just for the sake that I don't need another big brother.

[greenskeeper]

Do any of you have one of those devices that tracks your driving habits to lower your auto insurance rates? If so, do you know how much of a difference it has made in what you pay?

I do not. I know a co-worker who has onstar and his insurance used that data to raise his rates

[msomnipotent]

Even though I don't drive like a lunatic, I would never agree to have one of those devices. They already get enough data with the car's little black box, satellite tracking, timing the toll booths, and my phone. They don't need to track me second by second (but they probably already do).

[disneysteve]

Even though I don't drive like a lunatic, I would never agree to have one of those devices. They already get enough data with the car's little black box, satellite tracking, timing the toll booths, and my phone. They don't need to track me second by second (but they probably already do).

My thoughts exactly. We are all being tracked every minute of every day. I don't need to give them even more access just to possibly save a few bucks.

[LivingAlmostLarge]

Yes my DH does for progressive. First time we'll see what it says in 6 months. I'm a terrible driver. So I'm going with no.

[bjl584]

I do not.

My insurance company doesn't offer it.

I'll have to ask around to see if anyone has one and if it made any difference in their rates.

[TexasHusker]

One of these days it's going to be a requirement from your insurance co.

[Gailete]

We had to use one for the first few months with Progressive and then we sent it back. No problem. Now they know we really only drive about 4000 miles a year!

[disneysteve]

We had to use one for the first few months with Progressive and then we sent it back. No problem. Now they know we really only drive about 4000 miles a year!

Why did you have to use it? I was given the option when I took my policy.

[Gailete]

Why did you have to use it? I was given the option when I took my policy.

We may have had that option, I can't remember, but it was to assess our driving habits to know if they had set our rate right. It measured the length and time of trips and how much 'hard' braking we did. Our next six months went up a tad, but compared to our old Liberty Mutual policy, not really much at all. After three months we sent it back. The hardest thing about using it was trying to figure out where it plugged in!

With the small amount of driving that we do each year, I would have to call our car insurance and say hey, we don't commute, we get groceries and go to the doctors, our insurance should reflect the small amount of driving that we do. Since the end of 2014 to now, we have driven only 15,600 miles! I used to put that or more on my car yearly when I was working.

[Smallsteps]

I would not be likely to do this, not that I am concerned about my driving because I tend to go speed limit and very careful.
I live in an area filled with people whom merge without notice or looking, they will go over 3 lanes to an exit for example. Hard braking would come into play as it happens way too often. I also have had to step on it to avoid others.
So if the sensor just counts the actions it seems to give them data that could be misinterpreted.

I have traveled to many areas in the western half of the US and honestly think the drivers in this area are the worst I have seen.