What you need to know before using car insurance tracking apps

[@justayoutuber1906]

Insurance companies don't create these so they can earn LESS money. Think about it.

[@brendenharris7439]

Unless it’s a real scam, most wouldn’t do it if they weren’t confident in their skill and discipline as a driver. Therefore, if it’s actually working for them, they’re gonna keep doing it. Indirectly, they’re keeping their customers because of that benefit, if that’s what you mean.

[@evanmurphey]

Or they are banking on most people they cover being mediocre at driving which is like 80% of the people on the roads across the county. Which will enable them to easily raise rates when they want and obviously steal their data and sell it

[@AbNomal621]

The theory is sound as those who drive more conservative have fewer accidents. Aside from the accuracy of the data aside, how much of the data is sold?

[@DavidDLee]

You could be a slow, yet terrible driver: go through red lights, bad merges, risky turns. The App will never know and reward you.

[@blueskunk9163]

Government needs to step in. Insurance companies are notorious for abusing their customers.

[@josephsmith594]

Just don’t use the app.

[@greghale717]

This was simply a user error, by this user telling he app he was NOT driving. Actually Drive Easy is pretty lenient compared to Drive Safe by State Farm.

[@chrisalley6282]

Yeah because insurance companies and government are totally NOT the same people🙄🙄🙄🙄

[@blueskunk9163]

@@chrisalley6282 they most certainly aren’t. Insurance companies are laser focused on profits. Not helping their customers.

[@CheekyBird790]

"voluntary" will soon turn into "mandatory", and you could have your rates jump or policy cancelled at anytime.

[@alexanderthemeek]

If you get Tesla insurance this surveillance is already built in.

[@CheekyBird790]

@@alexanderthemeek indeed!

[@nicolee2649]

Reminds me of the movie The Net where a software program was installed that tracked everything from what brand of cigarettes she used to smoke, her past, address, her car ect. This would just be adding to that list. If you make no claims and cost them nothing (as I do) but even if I did it doesnt change the fact that technically it has to fall under invasion of privacy because others are TRACKING YOUR EVERY MOVE!

[@YAZZYUTUBE]

I doubt any insurance company would give anyone 40% off; doesn't matter how safe of a driver they are.

[@greghale717]

The rates are high anyway, so 40% off just makes it seem more reasonable to start wtih.

[@ShadowLynxXIII]

It doesn't take into account other drivers or weather conditions like you brake & hit a puddle or ice it can be mistaken for you hard braking.

[@greghale717]

There is margin for error, but one "event" doesn't have a huge effect in 1 months of overall driving.

[@joebullwinkle5099]

It never ceases to amaze me that Americans are so willing to give up their most personal details of their life without fully comprehending just how this may affect them. What happens when criminals and scammers get a hold of this information and use it to perform crimes against these people?

[@theabyssaldemon]

Never have used these, never will. Insurance does not do business in the best interest of the consumer.

[@dimitriberozny3729]

They got DRUNK on power when auto insurance went from 16 states being compulsory in 1992 to 49 states being compulsory in 2024!!! Compulsory auto insurance was supposed to keep rates stable,but what did it do,the 180 degree opposite!!!!

[@TransitAndTeslas]

I take a lot of buses and trains because I also use public transit. I forgot to turn off the location service to my car insurance app....... I no longer use said app and switched to a normal policy. Never again.

[@Alphalogica]

Same here. Transit is making a comeback in the US now.

[@christophergarcia2844]

@@Alphalogica I'm really glad that the public transit revolution is slowly but surely happening. We've done a lot of damage to the previously existing transit systems when America decided everyone had to be in a car. Unfortunately because of how our cities are built (and where I live) I have no choice but to use a car in order to get anywhere within a 10 mile radius of my home. But once I'm in the city, I park my car and use the bus/streetcar where I can.

[@gms-ye5mb]

USAAs app requires you to turn off your radio, and you can't use Apple car play or android auto. If you do it will dock you for not being safe. I got rid of it a week later. I called USAA and the lady told me that I should not be listening to music while i drive.

[@christophergarcia2844]

Mind you the rep probably listens to music in the car herself lol

[@BimmerWon]

Listen to a recording of children screaming instead.

[@JustDelta767]

USAA has become a farce. They have totally lost the plot…

[@OrbitalEdgeNews]

@@christophergarcia2844 while she works from her car lolool

[@ThatLittleTexanWoman]

I understand this is currently a voluntary program. But then we hear about companies selling similar data from cars involuntarily. At some point we need a nationwide reckoning that sets clear boundaries on when and how customer data can be used. It is starting to feel like we are normalizing stalking behaviors in the name of market research. At the moment it is a tangle of complicated privacy policies and data breaches. But at some point I feel we need to tell companies to back off. They seem so entitled to data and they don’t even consistently protect what they get.

[@christophergarcia2844]

The problem is people keep voting for the same politicians who don't even address the issue of data protection/privacy. But then again, people also don't talk about it enough to warrant politicians to give any thought to the issue. I would personally love to see some sort of data protection law that is similar to that in the European Union.

[@Nick210]

Any well thinking adult should be able to see through these driving trackers.

[@VideoGamer101gamingcontent]

my rates went DOWN.. AFTER I removed this feature from my policy

[@Kiss__Kiss]

This isn't new.. These apps are an abusive way of getting your money in more than one way. In the end, it's a business, and the house always wins.

[@BimmerWon]

As a professional rally car driver, I am never using these apps.

[@lambo2655]

These insurance apps should only work with the car interface not through your freakin' phone.

[@OrbitalEdgeNews]

How about neither?

[@KSsoundguy]

Just something else to monitor. BS I say. My insurance has gone up twice this year and I have Zero marks on my insurance

[@Djreactions831]

except Tesla refuses to fix your rate for when there app makes a mistake. oh a car slowed for speed bump ahead of you 2 car lengths away ? Prepare for your insurance to raise next month by $50! Your turning a corner and a car is parked on the side of the road and your not behind the car but beside it? Forward Collision Warning your insurance raised by $75 !

[@justayoutuber1906]

Poor Elon Musk needs money. $251 Billion and he's barely scraping by.

[@GaryMitchellJr]

*You’re

[@forresthodge1024]

Tesla isn't an insurance company. They can't raise your raises themeselves.

[@chanmarr8118]

Sometimes I get in an Uber or my bf’s car and I get flagged. It’s frustrating and I don’t think it matters when I go in and correct it by saying I wasn’t the driver, my score doesn’t adjust.

[@greghale717]

it wont adjust instaneously.

[@aa-hj2fd]

If we are going to have mandatory insurance laws, then the payouts should be capped. If anyone wants something different, then they can by it.

[@NickCBax]

The big issue is these are cell phone based.. they should be car based. Instead of an App, there should be a OBD-II dongle that monitors the driving.

[@greghale717]

State farm uses a beacon (a small square telematics device)

[@dimitriberozny3729]

These doggles can make you FAIL an emissions test because your OBD gets DAMAGED slowly but surely by these devices!!!

[@NickCBax]

@@dimitriberozny3729 source? Those are just diagnostic ports reading information from the system. They’re not writing information or changing the configuration of the engine.

[@stephenriggs8177]

The app system is BS. I used to have a device that attached under the dash on my car. That was fine, because it only tracked car trips. It wasn't monitoring my every move. I never had to go in and correct it, because no one else drives my car. But Allstate cancelled that program and forced me to use the stupid app, putting the onus on customers to edit the app's clumsy tracking system.

[@boyguapito1]

Insurance companies are like every other greedy corporation. They’re not in the business of losing money and I seriously doubt any of them will give you 40% off on your annual rate.

[@consolemaster]

Don't every fall into the trap of using the app to track your driving. If you get a low score, you will have your rate increased.

[@evanetter]

Just get the device that plugs into your csr 1:56

[@ericbentsen1785]

Don't make insurance companies responsible for your daily driving, don't get this.

[@iLuseMy1v1s]

Letting insurance companies track your movements is a very bad idea. 1:44 who wants to watch a video of someone walking and talking with a shaky camera?

[@greghale717]

If you got a cell phone, it tracks you as well.

[@iLuseMy1v1s]

@@greghale717 You can turn that off.

[@N6624_s]

@@greghale717 Turn on the privacy protections and don't use apps like Facebook. Also, even if you have a cellphone the data is probably not going to the insurance company until someone signs up for this program.

[@woohunter1]

Daily insurance rate Depending on the mood you are in that day.

[@bikeny]

"Up to" - that wishy-washy phrase is just as bad as when companies say that they are 'sorry for ANY inconvenience.' If they want me to sign up for that app, promise me AT LEAST 25% savings. As for the ANY phrasing, the MTA here in NYC is terrible with that phrasing. "We are sorry for any inconvenience as a result of the subway being 20 minutes late or the LIRR not showing up to take you to work." What do they care? Their staff is already where they need to be, we aren't.

[@2002altima]

I tried one with an app (CK 😂) they were tracking me on the Metro bus, and the bus driver was speeding and breaking too hard... And they said I was using my phone the whole time 😂😂😂

[@crlaw75]

I wouldn't trust those things.

[@BillO964]

Nope, do not do it. I drive older cars and will not even connect my phone to my car .

[@BRC332]

If I’m a bad driver, should I sign up for this?

[@greghale717]

NO

[@brendenharris7439]

I forgot to turn off crash detection on my phone and watch before getting on some rides. I scared some people. Sorry 😅

[@Poe-007]

I know I-75 Atlanta skyline anywhere. 🤣😂👍🏽

[@Torbikini]

With the way most people drive near me I’ll happily use the app to get below market rates. 😂

[@seanthe100]

Except l, that's what you think but the information isn't necessarily accurate. For a road with a service street sometimes it'll record the service streets speed limit for yours and it'll dock you for that. If you hit the brakes for a yellow light it'll dock you for hard braking, if you don't hit the brakes for a yellow light it'll dock you for reckless driving.

[@cmtp33]

I disabled it from my car to send it to the insurance because. Am a disabled driver and I feel like the system doesn't take that into account. My acceleration is different then normal driver puts me in a disadvantage.

[@greghale717]

App measures over-acceleration, which would mean you are driving faster. How does the app put you at an disadvantage?

[@dimitriberozny3729]

THIS is SHISTERISM at its finest!!

[@JusticeAndLibertyUSA]

Scam…

[@slikrhodez3336]

"Yes, please, insurance company and automobile manufacturer! Watch over my shoulder while I drive!" No, Thanks!!!

[@peterwaugh4734]

That does sound like they will steal if they track your phone in car. Do they break your phone if need to eat your breakfast? I'll ride the bus or walk to work.

[@dlight9849]

Now you know - all those 'jerks' out there driving slower than the speed limit causing back ups and stopping for an annoyingly long time at stop signs must have the insurance app 😂

[@greghale717]

The app doesn't make you drive slower to just to avoid an "event" in the app.....As a matter of fact, you can go over the speed limit 9mph before it dings you for speeding.

[@greghale717]

That's CRAP! I have the same APP from Geico! You can easily go into the APP and click that you were the PASSENGER, or that you weren't driving period. The APP senses motion, and that is why he probably got dinged. Perhaps this person should learn more about the app before reporting this to TODAY. Simple fix on the users part. Point 2. The APP creates an OVERALL picture over weeks and months to adjust the discount you are receiving, SO..... one ride on a roller coaster would NOT have made any difference in his overall score, and it would have NOT made his insurance rate go up. This video is CRAP and totally inaccurate.......

[@seanthe100]

Roller coasters can go 120mph+ it'll definitely dock you significantly might cancel your policy

[@greghale717]

@@seanthe100 Just don't take your phone on roller coaster rides, problem solved!