601
The current state of auto insurance: shit that belongs on a shady Kickstarter from 2013
(lemmy.world)
this post was submitted on 12 Jun 2024
601 points (97.3% liked)
Mildly Infuriating
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It's tempting to opt for telematics/black box insurance because of the initial cheaper prices but the privacy violations and potential downsides make it not worth it.
You can be the best defensive driver in the world but sometimes you're just going to have to brake hard to avoid an object that may jump on you, dinging your driving score and raising your premiums.
Contrary to what this post's image says, I'm reading online that these apps aren't perfect at differentiating between who's a driver and who's a passenger.
Have fun fighting with your insurance to get them to remove anything from your record.
Last week a squirrel decided it didn't want to live anymore and jumped into my way while I was driving. It was on an empty slow street at night so I was safely able brake hard to avoid killing the poor thing. If I had spyware insurance they would've dinged me for it.
It's crazy how most of those programs work. The way my insurance handles it is way better. For example, no matter how bad you are at driving, they never raise the premiums above the normal rate, so it almost always makes sense to get the tracker from a finance perspective. (The only exception is that they will raise your rates if you drive farther in 6 months than you estimated on your initial application. The flip side is that they lower your rates if you don't drive very much. I only drive about 1000 miles every 6 months, so my premium is really low.) They also have a Bluetooth device that stays in your car that your phone must be connected to in order for it to record trip data, and if you happen to be riding as the passenger in the car, the app has an option that allows you to clarify for each trip that you weren't the driver. I was surprised to learn they aren't all like that.
It's a discount right up until something happens and they use that data against you.
Just like HR, insurance companies are not your friend.
Something has already happened and they didn't touch my rates. I've been saving hundreds of dollars a year. I've saved well into the thousands of dollars at this point. I'm not saying the insurance companies are my friends and while I am better off using the tracker than not using it, that wasn't even my point. My point was that the trackers all function differently and some are better than others.