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Should your auto insurance provider spy on you?

GasBuddy Blog -- By now most of us have probably heard from our auto insurance providers telling us that if we install a device in our car that monitors our driving it might qualify us for an insurance discount...

Now, the Insurance Institute for Highway Safety (IIHS) says speed alert devices, which might give you visual or audible alerts while you're driving, can be effective in reducing speeding when combined with coverage incentives.

With the IIHS blessing, that means insurance companies are likely to push you to install and activate these devices that allow them to monitor your driving, caution you to reduce your speed, and even make it harder for you to accelerate at certain times!

It's Big Brother's arrival... all in...


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Submitted Nov 29, 2012 By: PD
Category: GasBuddy Official Blog > Topics Add to favorite topics   Post new topicPost New Topic
Author Topic: Should your auto insurance provider spy on you? Back to Topics
REPLIES (newest first) Post a Reply
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LeftLane1
Champion Author Georgia

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Message Posted: Dec 9, 2012 6:09:47 AM

The Govt opened the door & gave seal of Approval, collusion
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LeftLane1
Champion Author Georgia

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Message Posted: Dec 9, 2012 6:08:48 AM

NOT JUST NO, H@LL NO!
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Godozo
Champion Author Gary

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Message Posted: Dec 8, 2012 11:58:28 PM

Sad thing is that everyone's blaming the government for this when it's the insurance companies that are itching to use these on everyone. Heck, the government would probably BAN these if the people were think it important enough to tell their congressman – we'll see if we're allowed to protest this.
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danny1460
Sophomore Author Atlanta

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Message Posted: Dec 8, 2012 1:06:15 PM

Does missisippi require insurance now!
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danny1460
Sophomore Author Atlanta

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Message Posted: Dec 8, 2012 1:05:00 PM

Let them check the dmv like my employer has to do for CDL!
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ekimac
Rookie Author Lexington

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Message Posted: Dec 8, 2012 9:16:13 AM

When I first heard of these, in insurance company ads touting how they'd reduce your rates, my IMMEDIATE thought was that in very short order they'd become mandatory for everyone as a means of controlling us. Unless we do something to stop that, it WILL happen.
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honda0105
Champion Author Tallahassee

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Message Posted: Dec 5, 2012 5:41:56 AM

hpm: you can always drive w/out insurance.. illegally of course (unless Blade Runner becomes reality, but then, who needs a car anyways?)
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skidsteer85xt
Champion Author Indiana

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Message Posted: Dec 4, 2012 5:33:06 PM

Not interested
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777777777
Rookie Author Nevada

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Message Posted: Dec 4, 2012 3:53:21 PM

Very bad news.
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honda0105
Champion Author Tallahassee

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Message Posted: Dec 4, 2012 5:48:36 AM

if these devices are mandatory to have insurance, I may decide to not carry insurance...too much nanny-stating for me.
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hpmossii
Veteran Author Pennsylvania

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Message Posted: Dec 3, 2012 11:37:46 PM

In a couple years when these are required to get auto insurance - which is required to legally drive a vehicle - we will all be shackled.
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honda0105
Champion Author Tallahassee

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Message Posted: Dec 3, 2012 5:52:37 AM

Turbo: no doubt. I feel that same way.
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turbokawi
Rookie Author Phoenix

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Message Posted: Dec 2, 2012 1:04:48 PM

A good reason to keep the old non tech car......lol
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LeftLane1
Champion Author Georgia

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Message Posted: Dec 2, 2012 12:54:08 PM

I will fire them and fight any insurance company who puts us at risk in this manner, same as health insurance executives playing doctors by deciding you dont need medicine or treatments.
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honda0105
Champion Author Tallahassee

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Message Posted: Dec 2, 2012 12:24:46 AM

welcome to 1984....
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kishoreCA
Champion Author Ventura

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Message Posted: Nov 30, 2012 9:32:34 AM

very old news.
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OldMan322
Champion Author Illinois

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Message Posted: Nov 30, 2012 8:58:32 AM

NO !! but they already do
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kevin9324
Rookie Author Massachusetts

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Message Posted: Nov 30, 2012 8:27:45 AM

no
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dylan126
Champion Author Cleveland

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Message Posted: Nov 30, 2012 6:19:09 AM

NO WAY.....but if people protest by getting the least amount of insurance on every thing they own maybe they will think twice.....liability no compressive if you own the auto....different deductible, I pay a lot for insurance and that is what I would do......
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dar 1
Champion Author Michigan

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Message Posted: Nov 30, 2012 6:10:22 AM

OLDE.... but yes
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DLL66
Veteran Author Nashville

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Message Posted: Nov 30, 2012 6:09:41 AM

I seen this coming as soon as I heard about this! Another way for the Insurance companies to monitor your habits and charge you a higher rates for you past performances.
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D4444J
Champion Author Albuquerque

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Message Posted: Nov 30, 2012 6:08:18 AM

Why do they have to monitor this? Why not just a personal devise? Such crap!
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teamsimons
Champion Author South Carolina

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Message Posted: Nov 30, 2012 6:05:20 AM

Big Brother arrival, indeed! But unless they start forcing consumers to use the devices, we think that this is all voluntary right now.

It's the same kind of thing as using a rewards or loyalty card at the grocery store. The user is giving the store permission to watch what they buy in exchange for a small discount on selected items.

Still, what does this have to do with gas prices?
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alanhan
All-Star Author Atlanta

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Message Posted: Nov 30, 2012 6:04:12 AM

A discount of what....5%? Not worth it!!!
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Zuman
Champion Author New York

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Message Posted: Nov 30, 2012 6:03:27 AM

NO WAY.........................
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hybridaholic
Champion Author Appleton

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Message Posted: Nov 30, 2012 6:03:23 AM

Don't even go there.
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2parrots
Champion Author Massachusetts

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Message Posted: Nov 30, 2012 6:03:18 AM

old post
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Jeffro61
Champion Author Cleveland

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Message Posted: Nov 30, 2012 6:02:58 AM

Old news
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oas
Champion Author Maryland

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Message Posted: Nov 30, 2012 6:02:24 AM

This could be a slippery slope.
Keep it optional.
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subnuke
Champion Author Atlanta

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Message Posted: Nov 30, 2012 6:02:13 AM

if you don't behave, the nanny will take over
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scubadaniel
Champion Author Dayton

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Message Posted: Nov 30, 2012 6:01:56 AM

Sounds like the camels nose under the tent
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no_monkey2002
Champion Author Tallahassee

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Message Posted: Nov 30, 2012 6:01:25 AM

it will be the law before long..give them a inch and they will take a mile
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chuckohio
Champion Author Columbus

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Message Posted: Nov 30, 2012 6:00:55 AM

Not a good idea
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dudleydolittle
Champion Author Cleveland

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Message Posted: Nov 30, 2012 6:00:33 AM

this started with the jerk in Ohio using his own daughter.....
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1fulltank
Champion Author Buffalo

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Message Posted: Nov 30, 2012 5:58:38 AM

Progressive Snapshot: nothing more than a glorified bug.
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isem
Champion Author Missouri

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Message Posted: Nov 30, 2012 5:57:28 AM

Just say NO...
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LeeFree
Champion Author Pittsburgh

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Message Posted: Nov 30, 2012 5:55:30 AM

For high risk drivers maybe, but not for people with clean records.
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pfone1847
Champion Author Illinois

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Message Posted: Nov 30, 2012 5:55:02 AM

No
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padlocks2
Champion Author Virginia

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Message Posted: Nov 30, 2012 5:54:27 AM

nope
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BigBearHug
Champion Author Amarillo

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Message Posted: Nov 30, 2012 5:52:53 AM

no!
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Mandrake
All-Star Author Alabama

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Message Posted: Nov 30, 2012 5:52:22 AM

The problem is that while *most* speed limits are known, insofar as which stretches of road have what speeds, there will be many instances the monitor-box will 'think' you're speeding but in reality, you are not.
Navteq even has a great many speed limits missing from their maps they sell to customers like Garmin.

JacksonLittle stated Progressive's Snapshot is for "...all their clients..."
It's *available* but not mandatory. Using Snapshot won't help all people, especially those with long commutes and/or those with unorthodox work schedules.

Progressive Snapshot FAQ

There is no GPS involved nor does it know when you're speeding.

It's tracking how hard you accelerate & decelerate, in addition to how many miles you're driving.
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blueliner16
Champion Author Detroit

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Message Posted: Nov 30, 2012 5:51:45 AM

Just recording my speed does not tell someone how I drive. Maybe if these things could record how often people cut others off or tailgate it would do some good. These things cause accidents more that just going fast.
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Baron62nd
Champion Author Illinois

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Message Posted: Nov 30, 2012 5:50:59 AM

"I do not trust insurance companies any more than I trust the government." I'm with you there, Jim.
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silverfox63
Champion Author Michigan

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Message Posted: Nov 30, 2012 5:50:05 AM

The answer for this is "NO".
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BazooQC
Champion Author Montreal

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Message Posted: Nov 30, 2012 5:49:46 AM

Disturbing trend developing ...
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jim48656
All-Star Author Michigan

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Message Posted: Nov 30, 2012 5:47:54 AM

I do not trust insurance companies any more than I trust the government. They do not have your best interest on their minds. I have dealt with insurance companies and I know they take care of their own profit not you.
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Lengas
Champion Author Gary

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Message Posted: Nov 30, 2012 5:47:53 AM

NO
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neptune2008
Champion Author Michigan

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Message Posted: Nov 30, 2012 5:47:51 AM

NO!
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scottydoesnt
Champion Author Chicago

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Message Posted: Nov 30, 2012 5:47:44 AM

I don't think anyone should spy on the general public.
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tomok
Champion Author Portland

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Message Posted: Nov 30, 2012 5:40:13 AM

Should your auto insurance provider spy on you? If you agree with the auto insurance company to put a device on your vehicle to monitor your driving for cheaper insurance rates then that is your choice but only With the insurance company and Not the government. The vehicle can have alerts, lights and sounds to let you know when the vehicle speed is being exceeded for the area you are in, alert you if you drift out of your lane or an alert for an upcoming stop sign, red light or traffic cameras but not connected to the government or any information relayed by wi-fi.
No Big Brother wanted or needed!
Whatever the size or shape of the vehicle, vehicle manufactures Produce and the population ‘Drives’ vehicles with high MPG, are very safe, reliable, have a ‘reasonable’ cost and a good ‘value’ for the money.
The price of fuel at the pump is too high!
XII/XXII/MMXII!
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