Tracking Driving Habits with OBDII port (for insurance savings)

[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.