DON'T USE Insurance Tracking Devices To Get A Discount!

[@Tool0GT92]

Why did you hit that car? "I didn't want to brake hard and be labeled a high risk"

[@bennybop5387]

Dead💀

[@kenrivers9757]

Lol good one😂😂😂😂😂😂

[@gangsterdisciple759]

Tool0GT92 Hitting a car would bring you to a stop anyways

[@oldreliable303]

Ive jumped diches to keep from hitting someone. When you tow a lot, brakes mean shit.

[@inter5123]

Gangster Disciple not if you hit the gas as you hit them and push them with you lol

[@cribber0629]

We're tracked wherever we go through our cell phones, computers, or any other device that connects you to the web. I don't need my auto insurance company snooping on me too!

[@NoKzMoto]

Rob, I think you missed the biggest point about this. The whole thing is a ruse. It's not about getting you a lower rate. It's about collecting your data; ie. driving patterns, stop locations, average travel time, average speed, etc. and selling it to 3rd party companies who then use that to advertise to you. All you are doing is making additional money for these insurance companies. Insurance companies do NOT want to get you a lower rate. They will however make you think they want to in order to get you to give them data they can sell.

[@AM-tc8bg]

Don’t have a tracker via insurance but I do have T-mobiles, SyncUP up drive that relays basic information like start up, fuel consumption, and error codes to a app in my phone idk if that applies in the same concept

[@justinkoster4417]

interesting point that i didnt think of but its a waste of time and once ur in their system as a 'dangerous driver' then you probably wont be able to go back to ur old rate

[@stevek917]

It's worse that that. They want to have data they can use against you to deny claims or win law suits against you.

[@Tom_fromMySpace]

This Is true. I have 5 vehicles. Only 2 or three move on a weekly basis. Some move maybe once a month. Progressive canced the snapshots on my vehicles I don't drive. They said the were inactive. I told them no shit. That was the reason I thought the snapshots would be a good idea for us. That way we get a cheap rate on cars we went driving often. On the cars we do drive everyday they told us we drive them to much to get a lower rate. So there is no happy median. I did some research after the fact. Turns out the only person I found that reported a savings was a woman that live and works on the same street. So she walks to work. She only drives to the grocery store o couple times a month. Anyway these things are misleading as stated in the video and your comment

[@gregsnavely9272]

100% accurate

[@junito1008]

I put my cell in my grandmas car...She’s doing 45mph in a 50mph highway...She never brakes hard because She’s barely moving...and after her 50 trip, I had a Super Very Low Risk Score !! 😘👵🏼😂

[@Network126]

Hahahaha niiiiice!

[@danwat1234]

Nice tactic

[@toddsmith1617]

How much of a discount did you get?

[@forstgrade6949]

Lmfao holy crap thats genius!

[@consaka1]

@@toddsmith1617 He got 10% :) hehehe

[@ashishpatel350]

Yeah insurance companies are as trust worthy as social media outlets.

[@DavidMossMGS]

Ashish Patel Alex jones for president

[@JasperSteve]

Alex Jones will rise from the ashes and become a force to recon with!

[@Jakeski87]

Insurance, just like social media, provides a lot of fine print. People are just to lazy to read it. So in the end, I place most of the blame on the person.

[@Jakeski87]

LOL a white knight for the insurance companies...who would have thought it possible?

[@yamahonkawazuki]

Or youtube conspiracy theories/self trained experts lol

[@webfactorysolutions]

Over a minute of ads... Actual video starts at 1:27 for anyone interested

[@RtistiqSkubie]

I was about to type the same luckily I found yours quickly

[@kennethhumphrey7970]

Ty

[@Deathknight787]

He cant afford to create content for nothing bud

[@webfactorysolutions]

@@Deathknight787 don't know about you, but I contribute by having KZbin red

[@justsomenerd8925]

@@webfactorysolutions why would you give KZbin any money? They are censures, and thought police. Stop giving these cancer companies money, and run as many adblock extensions as possible.

[@JK-tu1xx]

Being a young adult who drives a fast car and rides a motorcycle in a state with the highest priced insurance across the nation, I have spent over $6000 insuring my vehicles in less than 2 years.. Everything about insurance blows, until you need to make a claim and then you get screwed for making a claim after the fact by them upping your rates. But you can't drive without it because if you do either you are breaking the law or when you get into an accident and the other party finds out you don't have insurance they come after everything you're worth. A giant corporate scam.

[@dustindirocco7508]

Jared K what state you in? Mine is 2500 for 6 months, and that's 19 with a Charger RT and a ticket and a crash

[@otherguyjohn1140]

Dustin DiRocco what state are you in I’m moving, I crashed a motercycle and they hiked my auto Insurence bcuz I’m high risk.... like it’s a lot easier to dump a bike than a fuckin car

[@dustindirocco7508]

OtherGuy John indiana

[@fortisprocer966]

Jared K I haven't had too much trouble as far as claims go but I spent 5k on my car and in 5 years I'll have spent another 5k in insurance and they wouldn't tell me (I was 18) that i didn't have collision so when I did wreck the car in the rain they wouldn't cover it. I had to spend 2500 in repairs and it still needs work.

[@Ryan_1997]

Jared K *VERY FUCKIN TRUE*

[@stevenkatz6239]

I live in Arizona and the speed limit on our highways is 75 meaning traffic is generally going 85 or even more. I am 68 years old and when I am on the highway I literally camp out in the right hand lane doing my 70-75. Esurance gave me no discount. I have had no tickets in the past 45 YEARS, no at fault accidents ever. I drive a Kia Soul.

[@Erafune]

*pats on the back* You're a good man, and you deserve better!

[@americanraptor8391]

We all need to just stop paying insurance at once. Then the corporations would lose their shit and give people an honest rate.

[@NevadaLamb]

Man. Here I am upset about 12 years with no accidents, $13,680 wasted on insurance. I can’t imagine the frustration of 45 years paying insurance for nothing.

[@Onibyron]

Thank you for your experiences.

[@Steveman27]

How much faster did you drive decades ago when you were someone in your 20s?

[@PwnUIDo]

They wouldn’t go out of their way to develop and market these driving tracking if it didn’t make them more money.

[@herculesrockefeller2984]

That was my argument for the grocery store's 'Savey McSave Cards'.. a major company isnt going to waste millions on printing out plastic cards and discounting some coco puffs unless they're making more in return.. Same for facebook. Its a free service yet the guy became one of the richest people on the planet somehow..

[@wallskog333]

They just all want to know where you are you going what are you buying . Big money in selling your data

[@dominicludlum4855]

no its gets your business. i have gas station with rewards card that saves me 3 cent per gal its adds point per gal you buy once you get enough points you could get one time $1 off per gallon up to 30 gal

[@AlvinBrinson]

Exactly. They don't "raise" your rates for having these devices or not. What they do is preselect who they would have previously given discounts to for claim-free driving record, and then HOLD BACK those discounts, forcing you to be monitored to get the discount. The goal of the monitor isn't to identify safe drivers, but it is to justify to you, the supposed bad driver, why they aren't giving you the discount. So instead of giving 100 safe driver discounts, they give 20. Profits go up.

[@gucciskunkit]

Nuff said,

[@scuderia747bhp]

Rob ur 100% right I have the same experience, I did the progressive thing and not a single hard break or anything for 6 months returned the package and got $0 discount, operator told me they’ve already give me the lowest price they can......2 of my buddies did the same test and got the same answers .... one word **SCAM**

[@noheader]

Your mistake was using Progressive

[@photilal1960]

State farm sent me one and I was supposed to install it on my moms Honda CRV. Never installed it and I still got the discount 💪

[@JDMKEV]

fuking ayyyyy

[@NuvoVision]

JDMSteven I LOVE a good victory over the insurance industry.....nice to see the good side win!

[@photilal1960]

NUVO vision well I got screwed recently, someone ran a red light and my dad couldn't stop in time to avoid them. They didn't get a citation even though they obviously were in the wrong. Their insurance won't help. I don't have collision but I knew that

[@ViolentMLG]

@JDMSteven where do you live? I live in VA. I had someone recently back into my car and hit my front right fender while I was driving down a road and due to the laws here, they somehow found me at at fault by more than 0%, even though I had like 0.5seconds to react, if that. Which somehow indicates I don't get covered by VA laws. VA says if you're more than 1% at fault, you go on your own.

[@robertkeefer7791]

Install one on a drift car.

[@perdition79]

Car insurance as it is now, is the worst kind of scam: privatize the profits, socialize the losses. Real car insurance would have each driver carrying his own bond. Some would be able to self insure, but most would have to finance their bond based upon individual risk. The perfect driver would pay fifty bucks a month, while the driver with three at fault collisions would pay a few hundred a month. I wouldn't mind a member owned mutual car insurance company that prevents risky drivers from buying in, and kicks out those who become risky drivers. Where's that insurance company?

[@LancesArmorStriking]

Problem with that is, they're called accidents for a reason. Insurance companies can and do often raise rates even if you're not found at fault in an accident- should have been more predictive! There are simply too many factors at play to make a service feasible for only people who statistically won't ever get into an accident. It brings the pool of people down to a number that isn't economically viable.

[@The1Retribution]

try State Farm, they drop people who are high risk, or raise their rates through the roof to make them go to a different insurance group

[@gorkyd7912]

You think $50 a month will cover the first accident of $20,000 - $60,000 in property damage for totaling an average priced car? Ignoring medical damages entirely, the "average" driver would need to pay into it for a MINIMUM of 33 years before they have saved enough to pay off that first accident. So if you're 25 years old and you've had insurance for 5 years before your first accident and therefore paid a grand total of about $3000 into your bond, what do you think that $3000 will pay for? It's enough to cover maybe some cosmetic damage on an average new pickup truck. It's essentially worthless, your car repair debt would be bigger than your student loan debt and never stop growing until you give up driving.

[@appleintosh]

Gorky D That’s self insurance you’re talking about. It’s not what the OP is talking about.

[@Andy-im3kj]

This is an "evil genius" system IMO. The insurance company makes an easy passive profit off of all those under their "coverage" and they can approve/deny whatever claim they desire on their terms. Sure private insurance sounds like a fantastic idea until the cost of damages exceed the amount of money one has to cover it. The nightmare of dealing with insurance companies isn't known until you need to use them. I've been dealing with a stupid claim for 300 dollars for an xray despite already being paid for my car being a total loss. The absolute clusterfuck over 300 bucks is insane and IMO I would've better off not having the insurance involved...

[@FishFind3000]

i think they have seen your super speeders videos and your automatically high risk.

[@patrickm5217]

I think the ad money he collects off videos cancels out the insurance on all the cars

[@kanazuchi923]

"Why didn't you slam the brakes when you saw Timmy running into the street after his ball?" "Because my insurance is going to say I am high risk if I hard brake."

[@Anonarchist]

it's naive to think these trackers are to determine if you're a safe driver or not, their purpose is to have you willingly provide the company any flimsy excuse they can think of to increase your rates.

[@kevinhunter8156]

I am 47-years-old with a clean driving 🚗 record and no tickets. I used one of these devices when I switched car insurance to Progressive. I had a bunch of good trips. Then, one day I'm driving and a family of geese enter the roadway in front of me and I hard break. I am suddenly a higher risk and my premium goes up over $100. What, am I supposed to kill the geese? What a gimmick!

[@erikb8877]

When I looked at mine, it penalized me for speeding on an on ramp to the freeway where the speed limit was 75mph. Claimed I was going 40mph over the speed limit. Was I supposed to wait to speed up from 35mph until I was actually on the freeway? How long do you think you will live doing that? Whether by wreck or a bullet from road rage, not very long. These system are flawed systemically.

[@kieranwilliams3052]

I could have told that one ahead of time. They even use location to see if there are high claims where you frequent. They won’t say it but I’m in IT and know first hand they do!

[@punk86]

I was always sketchy about this insurance thing, and you pretty much confirmed my suspicions.

[@damnshefine809]

That's y mines in the trash

[@TheCrazyLinkUno]

I have IntelliDrive with Travelers, and I'm Infuriated. For over 500 miles that have been recorded, only a handful of drives have recorded "high speed" which, as mentioned in the video, was me driving with traffic. 90% of my driving is highway. It caught me doing hard braking about 3 times, one of those times was me stopping my car to go into reverse to park into my driveway. And the main culprit of "events"??? Time of day. I start work at 8am and end at 4:30pm. I'm punished for driving 7-7:30a And 4:30-5pm. But what gets me is, all these miles recorded, and over 30 rides, and only a few have "events" (only one for speeding, 3 for "hard" braking) and my rating is super low. Super super low. But what gets me even angrier? I have had no high speed events for 10+ rides after that first one, and my rating for high speed is still listed as "needs improvement" and hardly moves up. It's outrageous. I thought it would average itself out, but so far, nope. It doesn't. It's bullshit.

[@sebbonxxsebbon6824]

You should get the Tracking device and go out to the nearest road course after plugging into your race car. The data should be interesting.

[@dfratiani]

I did that with my last insurance company. Still got a discount.

[@superstevo189]

@@dfratiani and then obama clapped I'm sure

[@donahue478]

@@superstevo189 nothing to do with story

[@kolinmartz]

I don’t want my insurance knowing I drive my car hard and having them use that as an excuse to get money from me.

[@robertmaybeth3434]

they could also use it as evidence in court against you, in order to avoid paying a claim later. More surveillance is invariably a very bad thing with NO upside, period. It'll only result in negatives, make your life tougher, and more expensive.

[@MrTheHillfolk]

Today rob spaghetti tells us how insurance companies try to take all the pasta for themselves.

[@MrTheHillfolk]

NACHOS RULE oh !! Nomnomnomnomnom

[@Sool101]

Yeah it's unfair, these 2 trailerpark girls still go round the outside in the meantime.

[@firellio070]

LMFAO

[@SOMA-WR]

@Zionism toHell typing a keyboard is waste of time, I'll report you instead for the hate speech (wanted to let you know)

[@SOMA-WR]

@Zionism toHell wrong stupid, try one more time! you deserve the Guinness record for learning stupidity. its an improvement from being a dummy

[@matty1234a1]

1:30 to skip ads

[@v1Broadcaster]

Matt Brewer don’t forget to report

[@IHunter]

You dropped this 👑

[@matthewmontgomery31]

Insurance screws you over as much as the dollar shave club.

[@jordansmith1626]

I bought a disposable razor from the dollar store years back. I just sharpen it on a stone block and its good as new. THAT is the real dollar shave club.....

[@3644Darrell]

The dollar shave club is great

[@goldengod5915]

Clams McGee AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHHHHHHHHHHHHHHHHHH

[@jetta.josh4]

They need to change their name. It has nothing to do with being a dollar.

[@yamahonkawazuki]

buttwipes on the beaver huh? sop if youre using back end products on teh front end, what front end products are you using on the back end?

[@jacobmyler7689]

10:42 "Oh, he went to grad school, he's probably a better driver. NO the guys probably an alcoholic and is going to flip his car over a bridge!"

[@FloorItDuh]

Insurance is a racket in general.

[@richardsmith3273]

Floor-It-Duh the ammount of money i spent on insurance i could buy a new car 😂

[@The1Retribution]

its insurance, its to make sure the dude you smash into get his shit fixed if it isn't his fault which is why its mandatory. i dunno about you but people have proven they cant sit with a bank account with 10-20k in there without spending it. hence the insurance you pay monthly so in case shit happens its covered and you dont pay massive amounts of money out of pocket.

[@exxxxoskeleton]

@@The1Retribution Beautifully said

[@paulcollins7559]

@@The1Retribution yeah and after not having any accidents all year you should get atleast half that money back,lol,that's why they make several commercials a year because they have so much money to work with that they don't know what to do with it,go ahead and make an excuse for that one,lol

[@Katy809RD]

These things are pure BS!! I have Geico, whenever I was using public transportation to go to NYC, I put that I was not driving and it was still counting it as my driving so I was getting horrible scores. I called them, they swear if I am not driving, it doesn't count and I was telling them "then how come my score is going down every time I ride a bus?" they payed idiots and said that can't be true. Not doing any drive safe program again.

[@ChadsMissingUpperLip]

I used one the plugged into the OBDII port for Allstate. They dinged me for driving to work at 4:30 in the morning, and for driving home at 5 at night during rush hour.

[@ericwsmith7722]

Allstate just wanted my odometer millage for a low mileage discount ( I have 3 cars and drive none of them to work ) ..the first year they sent me like $100. then they stopped asking , I guess there "good hands" dropped the phone the last few years.

[@zechsblack5891]

430am has to be one of the safest times to be on the road.

[@zechsblack5891]

Provided you are actually awake. I can drive the 18miles to work without encountering another car at all sometimes and it's all suburbs.

[@yamahonkawazuki]

got to agree.

[@isaiahlehman467]

Camdon Kutz your rates don't increase from drivewise?

[@geoffreydarwentartconnexu]

I was offered this automerit part to my car insurance. I got the agent to actually agree with me that if I am on an express way doing 7 clics faster than the speed limit while everyone else is doing 90 + would it be considered breaking the speed limit and used against me. He said yes it would that I would need to respect the speed limit. Yes, the reality is that maintaining the speed limit would probably be the cause of an accident happening. This is what happens when these fools dictate their agenda to drivers from their ivory tower. Pff!

[@MichaelBacon212]

I'm a great driver. Thanks Rob I loved watching this video while I was driving my 6 speed Mustang down the freeway at 90mph while also eating Chinese with chopsticks, taking a business call and getting road head. 😁😁😁😁😁

[@tymac3306]

Michael Bacon me too....haha we should chill....lol

[@aaronwcary]

Hahaha 😂

[@antoniodelfino7737]

Tyler hey some people have their fetishes

[@yamahonkawazuki]

and shaving. cant forget shaving. along wiht staring at the twins in back seat

[@digitalsiler]

what was his name?

[@bcanton]

My dad put a tracker in my car so we could get a discount from Progressive. I noticed it beeped every time I did something not deemed safe. Pull out of my garage so I don't pour exhaust into the house without putting on the seatbelt? Beep. Someone cuts me off on the freeway so I have to hit my brake to avoid a collision? Beep. Make a quick turn without slowing down to avoid the guy behind me who is riding my tail from slamming into me? Beep. I finally just took the thing out because I realized it was tallying my safe, defensive driving maneuvers against me. If it's looking at my first 50 drives with the tracker on, then I'm already super "high risk" because like you said, everything is being tallied out of context.

[@MrBunny53]

How does it know you didn't put the seatbelt on? With the car sound?

[@LMacNeill]

I have all my insurance with State Farm -- car, home, life, everything. I will *never* use those OBD2 "monitor" things that they want us to use to get a "discount." I've not had a claim since 1994 when I swerved to avoid a car and wound up hitting another, and of course it was ruled my fault -- lesson learned. *NEVER SWERVE*. Anyway, back to the topic at hand, they can go off my claim record. They don't need to know every last place I'm going and how fast I'm getting there. And the reason I use State Farm instead of any other insurance company -- as a policyholder, you *own* a piece of the company. If the company makea a profit, you get a piece of that profit. So at the end of the year, you get a check back, unless they had a bad year, of course (lots of hurricanes, for example.) No other insurance company does that, as far as I know.

[@bensmith5701]

LMacNeill iv never gotten a check from statefarm, that would be nice! I. Been using them since i was 17

[@danburch9989]

If someone is going to cause and accident, make sure they are involved in the accident. You may still be at fault, but you'll still screw up their day, too.

[@hystericfox]

LMacNeill they’ve never written me a check. My wife’s car, my homeowners, my 6 vehicles are all through State Farm, we’ve collectively had one claim since 2008. They’re by FAR the cheapest to insure my cars, my motorcycle and my house, but they’ve never sent me a check and said “thank you for the premium, here’s some of it back.”

[@scruffybob42088]

Maybe you should, and theirs are not OBD ported, it’s a stand alone device you can put anywhere in your car, it’s good for 1 yr and you swap it out for a new one. I saved almost $170 between my 3 cars for 6months if insurance.

[@iminco9844]

LMacNeill I’ve been a State Farm customer since 1980 and have never gotten a check.

[@wordiebirdie]

EVERYTIME I call my agent he asks for them to put a monitor in my car. I even asked him if they could possibly raise my rates after having it, and they said yes. So that was an instant no from me. Additionally, how accurate can the information from a phone app even be?!

[@kbdadriftking]

When I had progressive nothing on their print said that they track speed...just can't brake harder than 7mph per second or something like that...needless to say I took my car to 140mph a lot of times. And still got like a 25 dollar discount of what I was paying

[@Jeremy-Biggers]

Yep, I got decent discounts from it as well.

[@granolatimes7185]

Kuri Brown same here. Used the progressive obd2 port devices on several cars. They DO NOT TRACK SPEED. Only time of day, number of trips, mileage, and hard stops, fast starts. Esurance sounds like a crap tracking system

[@southjerseysound7340]

niecers here in NJ it's a no fault state and it sucks. My car was hit by a drunk driver while parked in my driveway and guess what........... The thieving bastards raised my rates.NJ is the worst, I pay just over $3 grand a year for full coverage on my S-3 and a jetta. I have a TDI A-3 hatch I keep in Bulgaria and on that where you need insurance. I pay about $600 USD per year lol . I'm 39,clear record etc and can only imagine what I'd pay if I was younger. I remember paying over $2k for just the minimum liability back then on a 4cyl S-10,. It's funny but I still have people wondering why I'm moving out of the country . I just can't see ever being able to retire, my property taxes alone are over $5k per year and I live in a less than average house in a nice location. They're taxing people out of their homes and there's nothing anyone can do about it.

[@milliom23]

SouthJersey, I had similar situation only my car was street parking, I don't have coverage to the damages fixed on my car, so I'm still driving it as it is. Also the cops can't shit about unless you have evidence or proof on which driver caused it. I hate drunk drivers in general..

[@southjerseysound7340]

GTAVUber that sucks, I had a few cars hit on the street before too. But thankfully they were beaters,well they were after. Do you have uninsured motorists cover? I've heard insurance companies that never told them they have coverage hoping they'd just pay for it. But you'll still have to pay the deductible whatever it is.

[@Ezrider359]

i have done the progressive snapshot. it does not use gps (or at least it didn't when i had it) so it does not measure speed limit vrs actual speed, mostly looks at hard braking and acceleration via the vehicle speed sensor. also monitors the time of day and how far you drive. when i did it on one vehicle it was winter time and i got flagged for a hard acceleration and hard brake within like 2 seconds of each other. basically accelerated from 6mph to like 15 back to 6-7 within a second or 2 and the matrix is something like 5 mph per second. the trigger was a tire spinning a tire on ice in the winter time accelerating from a stop sign, tire slips indicated speed jumps up you lift off the throttle to regain traction and the indicated speed jumps back down to road speed. i called them and explained it to them the cause and that it would be physically impossible to accelerate and then brake that much in that short of a time. and they removed the strike. i ended up getting something like 90% of the maximum discount. i would not want to use any system tied into my cell phone as they could collect so much more data about you not just when your in your car.

[@PC-uh6hk]

I agree, I've been forced to use this app on my phone and I have never had an accident or filed a claim in over 50 years of driving. I was flagged for distracted driving although my phone links to my truck and I don't have to touch my phone, I just push a button and the call comes through my speakers and the truck's microphone picks up my voice. So it's like I'm talking to someone in the passenger seat.

[@Brett636]

Good video and good advice. I'm insured through Allstate and my agent wanted me to sign up for their DriveWise program that would require me to install the OBDII tracker on all my vehicles to see how I drive. I was told all the same BS you were given about my rates not going up as a result of what they see and that the device doesn't record GPS location. I told my agent that I would switch insurance companies before I agreed to a tracker on my car for a lot of the same reasons you just mentioned. I see no reason why my insurance company should get to track everything I do with my vehicles when I am the one paying them. There is nothing wrong with the old fashioned means of insuring a vehicle by assessing risk through checking up on claims filed and insurance/credit history.

[@SGcomputing]

I want to hear rob rant about speed limits

[@sammyboyroute]

LOL

[@Zneiero]

I started using the Allstate phone app because they jacked up rates for all car insurance a few months ago everywhere blaming inflation. It will have no effect on the rate and they can raise it whenever they want for any reason

[@MatHelm]

The "In The Way" drivers aren't a Risk to their insurance carrier. Risk being defined as at fault and having to pay damages.

[@ericwsmith7722]

Not true, You get in 2 not at fault accidents, or in any single accident ( not at fault ) and there is a personal injury , your rate will go up.

[@MatHelm]

Raising your rate (at any opportunity) is the opposite of being a risk to your insurer. The point of being not at fault is the other guys insurance pays out. But yes, they use any and all opportunity to raise your rates. But the question of risk to themselves has to do with exactly who is ruled at fault. Which in the US and most places, is the one who hits another. Not the left lane bandit or the slow one in the way..

[@ericwsmith7722]

Believe it or not insurance companies do not look into who was at fault all that much, as the cost of litigating a simple non injury car crash would far exceed just paying the damage. Now if what I am saying is 100% BS, take note as to why insurance rates are much different between say NYC and say shit head Montana, they have already assigned your risk before you have even set behind the wheel ! That,s why if you get into a few no fault ( not costing your insurance company one dime ) they go with the he (she ) seems to be in the wrong place at the wrong time a lot method. While not legal in some states, some companies will cancel higher risk drivers who have not gotten tickets or accidents because there risk charts say they are due. And just want to drop them before lighting strikes, so to speak .

[@MatHelm]

I didn't say insurance racketers weren't taking every opportunity to raise your rates. What I said was that not at fault means they don't pay out, so it's a lower risk to them. Not to mention lower speed equals lower damages. But the only think I know for sure is that they have formulas worked out over centuries and decades, to know almost exactly what they're exposure to risk is. So much so that they are always the safest place in the market to park your funds. Second only to US treasury bonds..

[@herculesrockefeller2984]

Insurance companies do look at not at fault accidents. Someone with ten 'not at fault' accidents will draw more attention than someone with 1 at fault accident.

[@SimonTekConley]

I said no to that, as a volunteer firefighter. My driving is way different in an emergency than normal driving. I still use blinkers in an emergency though. Lol

[@EagleSpy-fh1zl]

my son is a fireman .. he dont use it when answering a fire

[@jaysenlao8163]

Says he’s high risk and that he should be... Insurance: “We see your name is superspeedersrob”

[@RestrictedHades]

Looks at his police chase vids

[@quinnjohn1]

I don't know if it's the same in the U.S. but in the UK, they also track your location and include things like if you drive through an area known for high vehicle theft, for instance, as well as monitoring your actual driving in your risk assessment! Even though you're only passing through and you're vehicle isn't actually at risk of being stolen as you are in it, driving it, they still consider that a risk and charge you extra for the privilege.

[@TheRetroLab]

This is exactly why I will never get insurance with a tracker! I downloaded an app (didn't give them any of my details) drove perfectly for the 250 miles they wanted - I was getting special badges in the app for smooth cornering etc, didn't slam my brakes on at all, never broke the speed limit and I got 4 out of 10! They basically want you to drive around like a granny doing a maximum of 40 in 60 zones etc, which like you said is more dangerous because you are causing an obstruction to everyone else. Its a con.

[@ChakatNightspark]

would point out, your phone GPS can also be off on MPH from between 3 and 9 miles per hour. so if your phone says your driving say 70mph you actually might be driving slower then that or even bit faster. as some phone gps can be off + or - in the MPH

[@drorrell]

That guy is doing 45 in a 50 he’s a safe driver! No he isn’t he’s in the way! I laughed so hard at that line it’s unreal. I can relate to that so much

[@easyenetwork2023]

Yes, like a slow car in NASCAR, they are a risk to other drivers. At least they won’t get in many wrecks at low speeds.

[@jborrego2406]

@@easyenetwork2023 speed limit mean that’s the max

[@Wdax]

I fell like everybody need to know the speed LIMIT means the limit, not just drive around this speed

[@o0Avalon0o]

This is why we need better regulations. The average person is both the purchaser & the product.

[@josephdubbss23]

Definitely a trap they got me and raised my insurance by almost 30% 🤦🏽‍♂️

[@CertifiedFresh7]

bag em and tag em

[@matthewzimmerman6081]

I just switch to state farm got the drive safe app and monitor. My bill went from $79 to $44 dollars after the first year. They got me saving lots of money. Progressive can't touch this. Drive safe and get reward why not. Me and my wife got 90% and better for one year.

[@theyhatehimbecausehetoldth7576]

Details?

[@inhawaii4941]

@@matthewzimmerman6081 nice 50% savings

[@stamina4days]

Because you weren't driving safe. You were speeding, hard braking, or gassing it hard. If not you, someone driving your car did. I've never heard of someone innocent having their rates jacked up. Even Rob in this video admitted he was speeding

[@Diesel2530]

As a 21 year old with a semi new license, I used Root, which tracks your driving for a amount of time that depends on how much your drive. Which uses acceleration, hard braking, if you drive late at night, etc. I was paying almost $100 with GEICO. I know pay about $60 with the same liability coverage. As well as towing payback included with every insurance policy. Root is doing it right and doesn't give you a quote until they track your driving. Your quote is purely based on your driving.

[@wespower133]

Hah. They offered that to me and I literally told the guy, “nah eff that”. He laughed and said he agreed

[@insanegnyc]

Why in the world would Anyone forfeit their privacy?

[@bulletclub4life]

cuz the internet

[@xaninator]

My friend has that insurance thing. I was riding with him and he had people honking at him because he couldn't accelerate from a light. He had people flying by him on all roads, traffic backing up behind him if there was no passing lane, and when we had an exit ramp that had a tight turn he got dinged for heavy braking because the app didn't ping his location often enough and it couldn't account for the tight ramp. Once I grabbed his phone to text someone our ETA and he got dinged for erratic driving because it felt the acceleration from me picking it up. I told him to just not bring his phone and he said that if the distance driven on the phone doesn't match the car he gets extra fines or something. Once when I was driving my car he looked at his phone and it thought he was driving and he got dinged for a ton of stuff I did. He had to fill out forms to say it wasn't him driving and wasn't his car. While going up a hill once he got hit with a heavy braking incident because he took his foot off the gas and the car slowed down because it was going up a hill. He didn't even tough the brake.

[@aiyblfieldmanager3378]

I do both Milewise and Drivewise from Allstate. ODBII port device. Pay per day for coverage then pay per mile on top of that. Plan better, walk more, drive less- and pay less. Drivewise is a discount program. If you have terrible driving habits then you just don't qualify for a discount- this cannot adversely effect your insurance price- it can only make it better. The three areas they focus on are hard breaking (decelerating more than 8 mph in one second), driving during high accident times of day 11pm - 4pm, and amount of time driving over 80 mph. You can drive 79 all day and not get a bad grade.

[@Cristina199]

If you ever do file a claim, insurance never pays out until you file an actual lawsuit in court against the driver.

[@MrTilbin]

I'm in that right now.

[@zelo533]

Not true

[@yamahonkawazuki]

not entirely true. i did have to threaten legal action once. they paid. but most of hte time. if i had to file, they were fairly quick about taking care of it.

[@Cristina199]

@@yamahonkawazuki I'm suing travelers insurance at the moment... If u have a tuner car with 30k in mods with only 111.7 miles on it like I did with a lowball offer of 4k. For damage of only 4.7k you sue the driver for the damage and the loss of use. Yes the insurance will pay. But you need an appraisal by someone who actually knows cars, never trust an insurance rep.

[@mfThump]

@christina199 ya insurance just uses KBB value..

[@SeattleRingHunter]

Skip the buck shave ramble video starts at 1:26 and this guy is spot on boycotting the use of insurance tracking technologies.

[@wackmediallc]

Good grades don’t make you a better driver

[@rustybrowneye]

tyler abrams the amount of how badly you have to poop on ur way home is what makes you a good driver

[@wackmediallc]

fuzzy wuzzy 😂😂😂 You turn into an F1 driver

[@islandclub69420]

I never ha a crash in 15 years driving 2end hand cars .. i buy a new car... hit by 3 people in 18 months.. ...for fck sace

[@tilburg8683]

OOF

[@The1Retribution]

and thats what insurance is for lol. would suck to have to pay for all those repairs out of pocket

[@timothywegner3173]

2nd and sakes

[@iamtheoffenderofall]

3 rear enders in 6 months for me.

[@arbovia]

Did you have a stroke?

[@1987rx7guy]

Had snapshot, it's also ridiculous. On my wife's VW she drives to preschool and the office it would record lots of hard braking. Shouldn't have gotten the big brake option on the Passat 😏

[@mhoover5]

We did this with allstate and the insurance went down 10% for 6mo and jumped up like 25% the next 6mo. Also if you sign up those things they can share the data with basically anyone they want so they can sell your info out there too all the other insurance companies that you're a high risk driver too.

[@messmeister92]

A friend of mine had insurance rocket up because he got stuck in the snow and he was revving high to get it out. I believe it was Progressive’s “Snapshot.” His insurance went up almost $70 a month just because he was trying get out of his own driveway. Luckily he was able to get out of the rate increase and immediately ditched both the system and the company.

[@gorkyd7912]

I had to do $1200 in repairs to the evap system after getting my car out of the snow once, so I can see why they'd raise rates for a full coverage policy based on revs alone even if you were not moving and therefore in no risk of crashing into anything.

[@messmeister92]

Gorky D They did not know he was in his drive way. They thought he was driving aggressively. And even still were the case, that’s a pretty weak defense on their part...

[@gorkyd7912]

@@messmeister92 If so its because drivers wouldn't allow the app to use the GPS and tell the insurance company where they're actually going. Bad data in, bad data out, don't blame the insurance company when they make average-based assumptions when that's literally their job.

[@americanraptor8391]

I have the progressive snapshot APP! Not the device that plugs into our cars. We just leave our phones at home and take our throw away phones with us when we go on a long drive or at night. Easy hack

[@larrylentini5688]

Did you honestly think they wouldn't ding you for speeding? It doesn't matter how good your reason is, that just seems obvious to me. Friends of mine who have these and drive slow do see significantly lower rates, although they did still decide it wasn't worth it. Side note, most of these trackers use an OBDII dongle. Putting an app on your phone that constantly runs in the background, tracking your location, tracking your usage and using up you battery sounds like a really dumb thing to sign up for to begin with.

[@roycebottoms4570]

I used a sensor from Progressive for six months 4 years ago. It was on my van but I mostly commuted on my motorcycles. I get a 20% discount.

[@BallGuy89]

WORKED FOR ME ALSO.

[@HulkSmash86]

Those insurance trackers are the adult equivalent of when teachers let you pick your seat/desk in grade school.

[@kh8655]

how?

[@SonyaLCH]

I don't get it.

[@chincemagnet]

Living where I live, where there aren't any highways, it can actually work and get you lower rates. But you have to plan ahead and be aware that you're driving to avoid any mistakes.

[@joshuachudley1270]

I could of Swore i paid for KZbin Red to AVOID ADVERTISEMENTS....WTH?

[@edwinmedina4338]

You fkd up lol, get your refund and spend the hours in ads over your remaining period of life..

[@regabernathy6039]

Use Chrome and install Adblock on it, no ads and save your money...

[@teedawg2386]

Think u guys missed his sarcastic joke. It’s cuz he did an ad in the beginning of the video 🤦🏻‍♂️

[@The1Retribution]

just use addblockplus, and skip scenes in the videos where the makers of the video are doing the advertisements like in this one.

[@4781289]

Tee Dawg these fuckem idiots 😂

[@DalV]

The on ramp is 35 and the flowing traffic is 75. You have to accelerate to be in the flow. I was docked.

[@paulstabin6233]

Thank you for the public service warning. Insurance companies are in business to collect premiums. Period. This is a scam and a ruse to jack premiums as you pointed out. If the claim history and driving record don't tell the story, a tracking device won't help. Reminds me of life insurance b.s. where Olympic marathon winners are still not classified as a 'preferred risk.'

[@blacksheep7576]

We shouldn’t ignore the fact that the speed limits are far too low intentionally to allow officers to deal out tickets whenever they want some money. We all need to start driving 5 bellow the limit and intentionally cause traffic to build up until they bring the limits up.

[@wewuzkangz4723]

"No he's an alcoholic thats gonna flip his car over a bridge" 😆

[@AlvinBrinson]

They also calculate time of day for your commute. If you drive during heavy traffic times, such as morning or afternoon, you're high risk. If you drive at night, you're high risk. Basically you have to drive from outside of peak hours but not at night. You can be the only car on an empty road at 1:00 at night doing exactly the speed limit, and that makes you "higher risk" than someone who is darting in and out of traffic at 7pm.

[@Treesuss]

I used one through Progressive and my insurance went up. I don’t drive aggressive in my Volvo and lived in Boston. They wanted me to send it back, so I threw it out lol.

[@seejanetraveltv]

Time of day when you drive is also a factor generally speaking. Did you drive alot like late at night? For example, at 2 am.

[@blackericdenice]

I knew I would never pass their test. I sometimes will hit 104 mph just to get my blood flowing.

[@johnh2385]

Last week I received my new bill after my first six months with State Farm's "Drive Safe & Save." I had taken a trip to Florida which was roughly 1,800 miles roundtrip in my car and I averaged well over the speed limit on that trip. They advertise a savings of "up to 5%." My first discount is $52.03 for using their transponder linked to my smartphone. That represents a saving of 17% on my six month premium. I've never used any others but will keep using the one State Farm provided me as long as this savings amount continues.

[@Not2Peculiar]

Completely agree. Those trackers are bad news. And seriously, how stupid does a company have to be to send a client a notice telling them they’re a bad driver with hardly any information. It’s basically asking them to cancel their policies...which I hope Rob did.

[@galejohnson8086]

I was a passenger and the lady was driving 10 to 15 miles less than the speed limit so she could be told on her app what a good driver she was. I was about ready to pull my hair, What about all the irritated drivers behind her? How many accidents does she cause? Then she ran a red light stating she was going to do it in advance as we were in a less populated area!

[@MrStromboli]

I can't believe you of all people thought this was a good idea!

[@rquance1]

I drive a Prius and if I drive like they want I get lovely hand gestures and horns. Never use the driving trackers as what this video says is completely true. I used to deal with this when on Allstate due to people hitting my old cars years ago and none were caused by me so Allstate said High Risk since people liked to hit me. Dropped Allstate and have never had an issue. I have been driving since I was 8 years old on all sorts of vehicles, motorcycles to 18 wheelers, they are all good to me.

[@tee228]

blackbox for your car. 1 mph over, claim denied

[@Jay-ds2eu]

I drive a gen 2 volt as well, its actually pretty zippy around town with 300 lbs of instant torque

[@AuthenTech]

Interesting insights and thoughts, thanks for sharing

[@wendy33040]

I am a professional driver and it is impossible to explain that to the insurance company. Why should I be targeted since I’m on the road all day, and someone else paying the same is sitting behind a desk all day. They told me to opt out, I told them then give me the discount without using my information. They seemed to think that’s unreasonable. It doesn’t count against you turns out. They only want to track you. They do not give you any more or less with your breaking

[@zachball2428]

I got a StateFarm ad for Drive Safe and Save in the middle of this video.

[@markwaltervick]

Actually, the best speed to drive is 5 to 10 MPH faster than prevailing traffic. Our primary issue in the U.S. are the roads themselves: with better design, accidents would fall by half. Check out "American Autobahn" - it is a very interesting book on the subject!

[@moonlighter6]

Never would I agree to Progressive Insurance's tracking BS or any other insurance offering. The fist up my arse working for the government is already too much. When I log-out from work for time-off or vacation, I'M off the planet in my mind.

[@shaunspellman2856]

I was just offered the "Drive safe and safe" device from State Farm!! After my rates going up during the new policy start date! I've been with them 20+ years and still pay basically the same rate as I did back then!!

[@ipodman2392]

And the ad to this video was a state farm "good driver discount" Perfect

[@sabraham8542]

I've been using Geico's Drive Easy. and they rate your driving on three things - how often do you touch your phone, how many phone calls do you make while holding the phone (using your phone for music/audiobooks/phone calls etc on a handsfree system doesn't count), and how often do you slam the brakes? So far, it's rating me a "good driver" showing that I did hard brake a couple of times, but that was still within in good/normal limits, and since I only use my phone for music/audiobooks, no dings for phone calls/use. Still haven't learned what my saving will be or even if there will be savings, but speeding to keep with the flow of traffic was definitely not an issue. It was very straightforward on what it was rating what they consider a "good driver".

[@Fusiongearz]

Honestly I would just find a way to spoof all the metrics they are collecting.

[@TheWraithkrown]

I have used the Allstate and am currently using the State Farm device. I know with the Allstate device it also tracked time of day so if you are driving when the drunks are or during rush hour it rates it as a high risk. With the Allstate device I kept a 10% discount for years, with the State Farm device I keep a 5-10% discount. As far as speed both devices only flagged you as driving high speed when you exceeded 80 mph. I generally make 10-15 trips per week and might have a hard brake once a month. Almost everyone thinks they are safe drivers but we all know that can not be true. As far a privacy issues, almost all of us carry a cell phone with GPS so, whether you agree to it or not, you are being tracked.

[@jackskrtbraapgang2320]

You say this but here in the UK, for young people this kind of thing is huge. They’re called black boxes and are installed into the car. My first year of insurance was £1450 with one of these black boxes installed which tracked my speed and such. Without one, I couldn’t find any quotes under £4000. Insurance is so high and they make such a difference to our prices, without we couldn’t afford them.

[@kolinmartz]

This is why it’s important to deny them from ever taking off in the market to prevent them from extorting you like they do in the UK.

[@thermalchill]

Thank you for great video. My insurance agent read me the criteria for assessing risk and guess what , those app devices serve only as data collection.

[@shadowcat314]

Because of "whatever".. Has videos of himself participating in multi state street races.

[@testy462]

I had an insurance company once try to raise rates on ALL of my cars because I was buying an additional one.... I owned three cars and wanted to add an additional car without adding another driver (so 2 people, 4 cars). They told me that because I was "spreading the risk around" to all four cars each individual rate was going to go up (vs a multi car discount) . I asked the lady if she thought I was going to be driving more than one car at a time...

[@Wormweed]

There is always an excuse to monitor where you are, what you are doing, and when. Just look at the stupid speed tracking stretches of roads we have that measure your average speed and gives you a ticket, people ALWAYS drive way too slow, out of fear of getting a ticket.

[@wahpanda1520]

Wormweed i did 4 over to test and it did shit.

[@Wormweed]

wah panda yeah, they have a safety margin, and your speed is usually displayed higher than it is, especially if you drive a Toyota, they are notoriously slow.

[@wahpanda1520]

Wormweed also bill gates trives a toyota :) supercars are TOYS

[@Wormweed]

the speedometer is still wrong, and Toyota are the worst in that area. I'm not talking about the quality of the cars, or about them being good or bad, just that the speedometer is more wrong than other car brands. I spend a lot of time in traffic, and there is usually a Toyota leading the pack when the traffic is slow. And i used to work at a Toyota dealership. Some of them display up to 15km/h more than the actual speed.

[@wahpanda1520]

Wormweed yeah tech stream or a speedo service can calibrate it its always 3-5mph off to make it seem faster but its also legal to do that.

[@waskerdiaz2717]

i have liberty mutual right track and made 21 trips total of 61 miles at $206 savings a year, basically a perfect driving record. the last trip i was dinged for hard braking and was dropped a total 50 dollars! i was considered an average soft braker for just one ding. my savings dropped 25% for one stinking hard brake!

[@TheCarCrazyGuy]

Activate teen driver and see how you score..

[@jincho5354]

Yes sir u are so right. I had got a app downloaded from insurance company. Ever since I got my 700hp truck every year my insurance go’s up $300. DONT DOWNLOAD APP FROM INSURANCE COMPANIES IF U ARE A RACER!💯