If you don’t know this about me already, I’m not very concerned about privacy. I think you should have it if you want it and are willing to make the necessary sacrifices to get it, but it’s not a high priority for me. Might be someday. Not today. As Estelle Costanza said, “I’m out there, Georgie!” I’m willing to give up some (a lot of) privacy to get some conveniences.
That said, today I activated State Farm’s Drive Save & Save program. Keep a little Bluetooth beacon in my car that works with an app on my iPhone to track my driving. According to their website the track acceleration; braking; turns; mileage; speed and time of day (rush hour, late night, etc)
According to the marketing material (and my local agent) I’ll get an immediate 5% discount and another 20% if I don’t go above the national average of 12,000 miles a year. “More small discounts may be tallied if you prove to be a safe motorist, do not drive over 80 mph and avoid driving between midnight and 4 a.m.” I think I meet all of those goals but we’ll see.
I found this while googling around: “State Farm warns that some drivers already getting a low-mileage discount may see a rate hike. “If you currently receive a premium reduction for low estimated annual mileage (under 7,500 miles annually for personal use) and your vehicle is actually driven more than that, your premium may increase at a future policy renewal period.”
I know this kind of thing freaks a lot of people out. But not me. I’ll try it and if I don’t like the results I’ll stop. And if State Farm fucks me over, I’ll just switch providers.
Update (5/22/17): A couple of months ago I mentioned adding a little gizmo from my insurance company (State Farm) that tracks my driving and — depending on my grades — lowers my rates or saves me some money or something. As you can see from the screenshot below, I’m doing fine in a couple of categories and not so good in some others. I do jump off the line and brake too hard but was unaware of my hard turns. I put that on the MINI which handles so beautifully. I do zip around corners. So far all of this has saved me about $11 and change. But I am going to work on my starts/stops/turns.