Tracking Driving Habits with OBDII port (for insurance savings)

[edmscan]

It really isn't a penalty .. just a fact of how insurance works. Drivers that drive more are more likely to get into accidents and thus they SHOULD pay higher insurance rates than those drivers that seldom drive.

[nookandcrannycar]

Originally Posted by edmscan

It really isn't a penalty .. just a fact of how insurance works. Drivers that drive more are more likely to get into accidents and thus they SHOULD pay higher insurance rates than those drivers that seldom drive.

I'm okay with the reporting of the mileage thing because I understand an entity that makes the assumption that people are going to lie. I remember when 'your' agent asked you how many miles you drove a year -- just when starting with a new agent. Then the subject was never broached again. Obviously, as the world changed, that was no longer good enough. What I feel 'pushes over the line' are 2 things I can think of right away 1. 'you need to have a front plate on because the cops need to see the front plates of criminals' (a dubious perceived requirement IMO) -- even if I am not a criminal, I'm getting lumped in with them (IMO) and 2. The SCOTUS decision this week re taking a DNA sample of someone ACCUSED of a serious felony to see if the DNA matches any unsolved cases. I'm fine with this if they do it to someone who has just been CONVICTED, but not merely ACCUSED.

[Absolutely Red 12]

Originally Posted by edmscan

It really isn't a penalty .. just a fact of how insurance works. Drivers that drive more are more likely to get into accidents and thus they SHOULD pay higher insurance rates than those drivers that seldom drive.

I'll play the devil's advocate:

Drivers that drive more, have more experience!!

My last accident was 1976, Im still being rated by my mileage, and zip code.
Not my driving record!!.

Can they tell I just drove 800 miles through desert highways, which I just did!

[edmscan]

Originally Posted by Absolutely Red 12

My last accident was 1976

My last accident was last December. Guess I am one of those bad drivers.

[nookandcrannycar]

Originally Posted by Absolutely Red 12

Im still being rated by my mileage, and zip code.

...and the computer system at at least one insurance company (mine) is programmed to set the rate to your mailing address. My house and my UPS Store PMB box are in different zip codes. When I got my initial quote (which was the lowest I found), it was based on my house address. I hadn't given the agent the other address yet (and the other address wasn't in any database for me yet---other than the UPS Store). After noting the advantageous terms, I signed up for the policy and gave my UPS Sore PMB address. I soon got the paperwork there (different zip) and the rate was about 10% less. I talked to my new agent and he said that's just the way their system applies it, that even if they were able to change it, it would 'correct back' to what I had in front of me. He said, 'count your blessings'. This probably gives them an edge when I do comparisons each year.