Tuesday, March 11, 2025

YSK Progressive can and does use your driving data from their insurance device attached to your OBD-2 diagnostic port, to make a decision on whether to renew your insurance policy, alongside providing premium discounts for good driving habits.

 

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YSK Progressive can and does use your driving data from their insurance device attached to your OBD-2 diagnostic port, to make a decision on whether to renew your insurance policy, alongside providing premium discounts for good driving habits.

Automotive

Why YSK: I drive rough; I roll past stop signs in a California stop, I make sharp turns and don't time my turn signals well enough sometimes, I may brake too hard on occasion, and I'm often not gentle about my driving habits.

Therefore, I got a non-renewal notice in October from Progressive for the reason of "excess indicated debit."

I called their customer service line and also visited the local Progressive agent's office for an explanation of what that means.

They told me, in layman's terms, that the driving tracking device attached to the diagnostic port, intended to help provide discounts of our insurance premiums to good drivers, recorded that my driving habits aren't as smooth as they should be. I drove too roughly too often, so I was deemed too high of a risk to continue having a policy with them, so they gave me a non-renewal notice that mandated me to shop for a new insurance provider before the end of my coverage period on January 4th.

I'm now with State Farm, and they also have a driving tracking beacon for their Drive-Safe-&-Save program. I declined to activate the beacon because I didn't want a repeat of the non-renewal dilemma that I had already suffered with Progressive. So I'm paying $17 more per month for my auto insurance policy with State Farm in order to have the privilege of not letting my driving habits be recorded by their beacon. I'd happily pay $17 more per month than to risk getting a non-renewal notice again because old driving habits die hard. I can't suddenly improve the way I drive just because of last fall's ordeal with Progressive.

So if you drive rough, don't install a driving tracking device from your insurance provider. Just absorb the extra cost of declining to participate in their safe driver discount program. Or else you run the risk of not being able to renew your policy with their company.

  

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[–]thisguypercents 160 points  

Here's a better take. I barely drive, like 500 miles a year TOTAL. I decided to use the app only for enough miles to qualify and drove very safe. My insurance still shot up 50% in 1 year and another 50% the next 2 years combined. 

Why? Because my state insurance commissioner of Washington is in bed with the insurance companies to jack our rates up even for the safest non-risk of drivers.

Everyone in this state has complained about insurance rates for the last 5 years but when it was time for an election they chose the same shitty type of politician that led us here in the first place. 

So here I am shopping for insurance for the 3rd time in 6 years because fuck me I guess.

[–]Jazz_Musician 2 points  

Idk why but my former insurance in Texas (AAA) shot my cost up more than 100% after getting a 'new' (15 year old) car. Was paying $75 in 2021 and at the end in 2024 i was paying $180. Perfectly clean record too.

[–]123kingme 46 points  

You’re right to be concerned.

The real YSK is that if you ever get in a car accident, your insurance company will do as much as it can to limit their coverage, including using your driving data that you voluntarily gave them. They will cherry pick the data as much as possible to make it seem like you are a reckless driver and therefore they are not responsible for covering your damages. Even if the accident is not your fault.

Never give insurance companies information they can use against you.

[–]magicfungus1996 15 points  

See I'm like this a lot, but when I signed up it was like a "6 months tracker then we'll give you your new rate" type of deal. It wasn't to bad for me, I had a couple of dings i remember, but then the 6 months was over and I sent it back and my rate didn't change at all lol

[–]CasaBonitaDeBlucifer 5 points  

Same here. I know, phones track too, etc etc, but it feels worse to actively “opt-in” to being surveilled, and for the explicit reason is we want to track you.

Btw I don’t know if someone knows this, but I’d bet they recoup more than your discount selling your data too.

[–]Podalirius 4 points  

I’m just creeped out with being surveilled.

Too late if you own a cell phone.

[–]sdowney2003 4 points  

Yeah, no kidding. I guess we just pick where we want to fight this battle.

[–]Shot_Squirrel8426 2 points  

Ever heard of LexusNexus? Insurance companies know where you park your car, among a disturbing amount of other things

[–]MetallicGray 13 points  

I’m a safe driver and did it. Got beeped at like a couple times over the course of months. 

It lowered our rates, and it’s not like it’s indefinite tracking, it’s just for a couple months or whatever it is. 

[–]beloved_supplanter 1 point  

Same. Used the device for 6 or so months .. got a discount for agreeing to use it, got a handful of beeps over the months with a B+ rating, and another discount at the end. Just mailed it back this week.

Mine only tracked occurrences off "hard breaking" and driving late at night, or that's what they told me at least.

[–]Desperatorytherapist 805 points  

“I roll through stop signs and basically asked my insurance to track my driving. Who knew that was a bad idea??”

[–]twitch870 333 points  

I didn’t take a tracker because I didn’t want dirt on a sensor to report a false bad lane change.

We shouldn’t be normalizing giving data we can’t fully control for less than a burger/month.

[–]Arkrobo 63 points  

17 dollars is a lot of Costco hotdogs though.

[–]Desperatorytherapist 16 points  

Swear on my life, last time I ate that hot dog (and let’s be honest, so many onions) I changed somebody’s mind about sleeping w me very fast.

I haven’t had that hotdog in 20 years 🤣🤣🤣

[–]sniper91 26 points  

I remember reading the rate you need to slow down while braking is essentially unobtainable if you drive on 45+ MPH roads with stoplights

[–]Chimerain 45 points  

Actually- Ironically, this thing incentivizes speeding up to blow through yellow lights, because there's no way to slow down at the rate they want if you're already close.

[–]Hot_Wheels_guy 9 points  

It also incentivizes coming to a complete stop much closer to a car already stopped ahead of you (at, say, a stop light). Instead of coming to a more abrupt stop 15 feet behind them, you try to time your braking so you come to a graceful stop 2 feet off their bumper.

I have the drive-safe-n-save dongle, and anytime i do the aforementioned maneuver, the car sitting at a stop lets off their brakes and rolls forward a bit as i approach because they think i'm about to rear-end them lol

[–]seanblv 6 points  

That’s what stopped me from doing it too. Braking rate was 7mph/sec. Last I looked.

[–]GlitrLizrd 12 points  

We shouldn’t be normalizing giving data we can’t fully control for less than a burger/month.

Why is this not the top rated comment? Everybody needs to hear this.

[–]suspicious_hyperlink -1 points  

“We see you urinate frequently at night and our ai metrics labeled you prediabetic which makes you a much higher risk driver” They take ALL motion data from your PHONE. The modules are one thing, they track your VEHICLE, it’s a fair trade for a 10% discount on a premium already 200% the price it should be, but to take all of the data for the PERSON is just insane. There should be more outrage for this than for 90% of the crap people get upset about

[–]username_needs_work 190 points  

Yeah I thought about it once... My driving is great. My problem is other drivers. Get cut off? Slam on brakes, swerve. Have to keep up with traffic to not get run over? Speeding... I felt my need to be defensive in a city full of shit drivers would raise my rates regardless.

[–]jimothyjonathans 51 points  

I have this exact problem! I have GEICO, which tracks me from my phone. I have to hard brake often enough for it to impact my overall score, living in a city makes some of those things necessary and a lot of the things they take off points for is just a way to make more money off you.

[–]crackerjam 107 points  

Allowing an insurance company to track you through your phone is pure insanity. Uninstall that shit.

[–]jimothyjonathans 7 points  

I don’t disagree, but I’m on a budget.

edit: If you’re gonna freak out about an insurance app tracking you, have the same energy about apps like Facebook, Instagram, etc that track your every move. It’s the same concept.

[–]Darth_Boognish 9 points  

How much are you saving by letting them track you?

[–]jimothyjonathans 16 points  

$200

[–]jamesc5z 6 points  

$200 per month, per 6 month policy period, or what?

[–]jimothyjonathans 4 points  

Yes, 6 months.

[–]jamesc5z 13 points  

Out of curiosity, did you get quotes from multiple companies, and the tracker deal was the lowest quote by $200 for a 6 month policy identical coverages?

I have family that does this tracker stuff and they claim it saves them money. I ask them what their quote was for no tracker and they can never tell me, just that the company claims they're saving X amount with the tracker lol.

[–]Dirty_Dragons 18 points  

have the same energy about apps like Facebook, Instagram, etc that track your every move. It’s the same thing.

Except those apps aren't being used to determine how much you should be charged.

Don't be surprised if your insurance has a huge cost increase next renewal.

[–]jimothyjonathans -5 points  

I’ve read the user agreement. I’ve read the disclaimer. I’ve done this for 4 years. I think I’ll survive.

[–]Majestic-Selection22 0 points  

I save money with the insurance tracker. I figure I’m being tracked anyway. My phone, cameras, license plate readers. Might as well save some money.

[–]magicpenny 10 points  

Progressive just sent me a message about a “feature” I could enable on my cell phone via their app which would automatically alert 911 if my phone sensed I was in an accident. I’m fairly certain it would allow the app to track all my driving habits. I did not enable this feature. Not today Satan.

[–]Revolutionary-Fox622 1 point  

This is a feature that's been baked into most phones for a while now. It was exclusive on Pixels for a bit but should be on all Android phones running version 12 and above. It's available for the iPhone from the 14 up, as well as the Apple Watch series 8 and newer. 

[–]magicpenny 1 point  

I do have the Apple alerts for crashes and falls. I am aware that exists. However, I am not going to activate the feature allowing my auto insurance to track me. I think Apple will, to some degree, protect my privacy. I’m certain Progressive will use the info they collect against me and sell whatever they legally can to the highest bidder.

[–]Revolutionary-Fox622 1 point  

Right, my point was that no one should be selling out to insurance companies for this particular benefit since it already exists automatically in nearly every modern phone. 

[–]Thepinkknitter 7 points  

If you’re a good driver, shop around for more reputable insurance companies. I know when I looked at getting new car insurance after a major accident where my car was totaled (100% other drivers fault) and progressive and other “cheap” insurance companies would have charged me double what an actual good instance company did. Good insurance companies only take good drivers so they don’t have to pay out as often and they didn’t charge me extra for an accident that wasn’t my fault. The “cheap” companies take most drivers so they have to pay out more often and therefore charge more

[–]jimothyjonathans 6 points  

Yeah, that’s what I’m considering doing. I am a good driver, never had a proper accident (knock on wood) and my score is always above 90% on the little tracker thing. I appreciate the advice!

[–]Thepinkknitter 5 points  

You are welcome! Best of luck, dealing with insurance suckkssss

[–]HauntedSpit 12 points  

And they likely know this is the case. Need those rate hikes to pay for corporate bonuses.

[–]Maleficent_Fix8433 4 points  

This!! I refuse for that same reason.

[–]iboneyandivory 24 points  

Look into Life360 and GasBuddy. Life360 sells your data by default to insurance companies and anybody else who will pay for it... GasBuddy alone apparently is okay but if you opt for enhanced services that GasBuddy offers you'll be tracked there as well for car insurance purposes. Basically the fewer apps on your phone the better. Dystopia is getting closer every day.

[–]WinkleStinkle 32 points  

Hilariously, I remember when my insurance company tried to offer me one initially and sent it in the mail. They told me "It will never affect your rates in a negative way, it can only benefit." Let me tell you, I NEVER installed that thing. It sat in a drawer until one day it met its demise in the bin. There was no way I could ever take them at face value for that. I'm glad I didn't use it because all I've seen are horror stories.

[–]DingleBerrieIcecream 4 points  

Their trick is that they won’t “charge more” but they will just not give you the good driver discounts that everyone else gets. Like when stores jack up their prices 20% right before having a 10% off promotion.

[–]JoseSpiknSpan 3 points  

So did you just activate it and never actually put it in the car? I know a guy who leaves it out of his car except for one or two trips a week

[–]cmyk_life 18 points  

This guy drives like shit, knows he drives like shit and volunteered his shitty driving info to his insurance.

Lool

[–]egotrip21 2 points  

I'm so glad this was the top comment. /facepalm

[–]BriBrii 2 points  

Everything from the post to your delightful comment have me absolutely giggling lol

[–]Medic1248 2 points  

Not only this, but OP voluntarily put the tracker in, let them track, proceeded to drive like an asshole, had to find a new insurance, then ran to the internet to blame the insurance company while defending his driving habits saying it’s unrealistic to expect someone to change.

You know how horrible you have to drive for them to just straight up cancel your policy 3 months before it’s supposed to end? They would’ve still been actively collecting data to build his driving habits. That means they saw such bad habits that they knew it would be financially better to force OP off their insurance and risk any kind of fight OP can pose vs the idea of keeping him insured a single day longer than they legally have to.

[–]MesciVonPlushie 3 points  

While, overall, I am in agreement with you. I used to have progressive snapshot and they were adamant about the fact that driving poorly won’t impact your Insurance. You will automatically be giving a discount, regardless of how you drive, but if you drive well/safe you will save even more money. I believe OP is just trying to let people know they are lying when they say that.

[–]magicpenny 1 point  

Right? What exactly did you think the driving monitor would be monitoring?

[–]Virtchoo 1 point  

Wild isn’t it? State Farm told me about their little puck that could save me money. I drive a truck for a job, and while I don’t do anything to get pulled over and consider myself a safe driver, I told them “I get tracked all day at work. The last thing I want is for you to track me after work” but being surprised about it is another level.

[–]Beaver_Tuxedo 354 points  

Well duh. If you prove to the insurance company you are a risky person to insure they don’t want to insure you.

[–]SteveFrench12 85 points  

Not to mention, this is the advertised use of the product lol. OP is acting like this is some secret they just figured out.

[–]arcxjo 13 points  

Unless it's changed recently, the advertised use says that they'll only use it to determine whom to give discounts, and not as OP described.

Which makes me think OP made the whole thing up and is just disgruntled with not having paid his bill (which the "excess debit" would actually make sense towards).

[–]SteveFrench12 16 points  

From the website page about “Snapshot” : Your rate may increase with high-risk driving. But, only about 2 out of 10 drivers actually get an increase

[–]Chimerain 25 points  

It's not just risky people (see my other comment). There are very few instances where this is a good idea, and for most people it's an awful idea to agree to this.

[–]Soliden 18 points  

I had the physical one. The problem I had with it is that it can be pretty sensitive some times, and it doesn't discern between defensive driving or not. So for example, if someone cuts in front of me and stops short, I need to as well and that will set off the device for a 'hard brake'.

[–]Chimerain 13 points  

Oh, I know... I had to slam on the brakes when a toddler ran out into the street, was I supposed to just now then down??

The point is, they don't care why; what they're looking for is how likely you are to need a payout, and it doesn't matter if it's your fault or not... It's keeping track of not just you, but all the people around you when you're behind the wheel. That's why this thing is rarely beneficial for anyone except the insurance company.

[–]BasicBeany -7 points  

If you're paying attention and not speeding, you never need to slam on the breaks.

[–]Chimerain 6 points  

I literally just gave you an example of when you have no control over needing to slam on your breaks... But beyond that, what they define as "slamming on the breaks" is hilariously broad; The amount of breaking needed to go from 45 to zero in 100 yards at a yellow light will set it off. It is touchy as hell, and that's by design.

[–]gingasaurusrexx 67 points  

Your first paragraph reads “I am a danger to everyone else around me when I’m driving”, and you have the gall to come here and complain that an insurer doesn’t want to be responsible for your shit driving habits.

Fucking THANK YOU. Feel like I'm taking crazy pills over here.

[–]Hot_Wheels_guy 33 points  

Bro really called it "rough driving" instead of "awful" or "illegal" driving 💀

and then they admit how bad their driving is as if it's totally normal to be unable to stop at a friggin' stop sign 💀

[–]sammybick 22 points  

I had to scroll way too far down to find this comment. Yes. Thank you.

[–]Mudslingshot 36 points  

Exactly! OP took the entirely wrong lesson from "OP is such a bad driver they got booted from insurance"

Sadly, this is a very common viewpoint. Apparently if you poll people, 90% of people think they are in the safest/best 10% of drivers. And one of those made this post

[–]egotrip21 9 points  

Excellent call out.

[–]catholicsluts 2 points  

Many people don't actually realize, or even full on disagree, that driving is a skill.

All skills need to be maintained and improved upon.

Driving school should be mandatory. That's not realistic in giant countries, of course.

There's no respect for driving from most people, and it's bizarre.

[–]koenigsaurus 1 point  

It’s incredibly frustrating to me that drivers aren’t required to perform driving tests on a regular basis to prove their aptitude. At least in the States, you take the test once and you’re pretty much good for life.

[–]Drexelhand 120 points  

"YSK i really shouldn't be sharing the road with you. if all the bad drivers were denied insurance for being bad drivers maybe improving public transportation would become a priority and our streets would be made exponentially safer."

[–]WUT_productions 47 points  

They count things like ABS engagements, etc. On a winter street ABS often engages frequently.

[–]Qel_Hoth 6 points  

It shouldn't. I live in Minnesota, I drive in the snow all the time. ABS engagements are still the exception, not the rule.

[–]WUT_productions 2 points  

It's in response to other drivers. Police have basically stopped enforcing traffic regulations so people running stop-signs and cutting people off are common.

[–]babybambam 40 points  

Right, but from the carrier's POV, driving on streets that haven't been cleared is risky behavior. If it's one trip in a year, it likely won't have an impact. If it's one trip per day, your rates are going to spike.

As an aside, I learned to drive in the upper MidWest. We had HARSH winters. Even when driving on snowy streets, ABS did not engage frequently because I slowed down for the conditions.

[–]YouDoNotKnowMeSir 14 points  

This is a disingenuous take that tries to justify a system that has flaws and penalizes you for things that may be out of your control or even things that may align with safe driving behavior but are misidentified.

Their system isn’t perfect and your anecdote isn’t evidence. The whole purpose of these systems like ABS are to maximize safety in situations that demand it. Even in your anecdote about driving on snowy streets, “…ABS did not engage frequently because I slowed down for the conditions.” Is even highlighting that ABS was still being engaged when you were driving with additional care.

Im not against systems that correctly measure the driving habits and safety of a driver for lower prices. I think that’s perfectly fine. But if their system is imperfect, it shouldn’t be treated as such.

[–][deleted]  

[deleted]

[–]YouDoNotKnowMeSir -6 points  

I’m not disagreeing about the likelihood of a crash, I don’t think anyone is going to disagree with you on common sense risk factors.

What I’m saying is that there needs improvements to the way they analysis and profile drivers so that there is less likelihood of an incorrect assessment.

Some metrics don’t 1:1 translate to real world driving habits and safety. There is too much variability and would require additional context to understand.

There is a saying “numbers don’t paint the whole picture”. Data can be misinterpreted and misrepresented.

I think the concept of safe driver analytics is good but there is much more room for improvement. Not just the way they profile and analyze the data, but to improve transparency of the metrics they’re relying on. If the incentive is to safe good drivers money by verifying through analytics of driving habits, sure. But what weights and criteria are you using? Where can I see what I need to improve on? If those aren’t visible to the end user, then it’s more of a vehicle for the insurance company to deny a claim.

Until the fore-mentioned is implemented and improved, it shouldnt be treated as a source of truth.

[–][deleted]  

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[–]YouDoNotKnowMeSir 0 points  

This does not at all differ from what I’m saying and is still in the best interests of both the consumer and company to reduce risk.

[–]babybambam 3 points  

Not driving in shitty conditions reduces risk. I feel like you're advocating for less risk to be considered for insurance, which doesn't match up with the concept of insurance.

[–]YouDoNotKnowMeSir 1 point  

They’re not mutually exclusive in the scope of a safe driver discount and the counter argument provided

[–]Br105mbk 1 point  

Lmao my street never gets plowed. Wet leaves activate ABS. Oil and coolant from accidents activate ABS. Plain old slippery city streets activate ABS.

[–]Cmg393 19 points  

Nah they’re pretty sensitive if you use their phone app version over the obd2 plug. I used to work for them (thank god I don’t anymore) and I would have customers calling in a few times a week asking why their device was reporting sometimes dozens of “ incidents “ a day. Turns out if you decide to mow your grass with your phone in your pocket it will RUIN your driver rating unless you happen notice it when it happens and also dispute each individual incident report. Hell even if you’re riding as a passenger in a car with someone else and they break hard it WILL record it against your driving grade even though you weren’t the driver.

[–]satori0320 11 points  

The damage it's been doing to vehicles is quite concerning.

https://www.classaction.org/blog/progressive-insurance-co-snapshot-device-destroys-car-batteries-electrical-systems-class-action-claims

[–]GearboxTheGrey 9 points  

I mean it isn’t just theirs it’s any OBD that stays powered on. I left a personal one plugged into my car for along time and it absolutely killed my battery.

[–]satori0320 5 points  

The code readers will as well, however, the progressive device is causing permanent damage to the vehicles.

[–]Greelys 3 points  

That case was settled in 2019. The code readers have been changed.

[–]satori0320 4 points  

The only reason I know anything about it, is my wifes coworkers car is in the shop as we speak, because of damage due to her snapshot device.

So maybe they haven't quite worked out all of the issues.

[–][deleted]  

[removed]

[–]satori0320 1 point  

I'd think the bigger portion of the slew of codes the car is throwing is low battery voltage, but the pcm problem is not necessarily just a voltage issue.

[–]Mudslingshot 1 point  

Not just illegally, dangerously and obnoxiously too

[–]babybambam -24 points  

G forces in the car, how fast you accelerate, brake, and turn. They don't track speeding.

Yes, they do. Acceleration/Braking/Turing all create your 'g forces' which is a function of speed.

[–]TobyFunkeNeverNude 37 points  

They clearly meant speeding in excess of the limit

[–]egotrip21 3 points  

So like they record all the data and just promise not to use some of it? Cause how would they know what the limit is in any given area? They would have to be accessing your gps. I dont trust these guys as they have access to too much technology and there is no transparency on how it will be used.

[–]TobyFunkeNeverNude 2 points  

So like they record all the data and just promise not to use some of it? Cause how would they know what the limit is in any given area?

They're not claiming to know the speed limit, they're claiming to only use aggressive driving. If they were lying about the terms people agree to, we might end up hearing about it, unless thousands of employees are happy just committing fraud.

there is no transparency on how it will be used.

If there was no transparency, they just wouldn't tell you they use GPS.

[–]egotrip21 0 points  

Well if they are using GPS then they know my speed. Something they claim not to know?

[–]TobyFunkeNeverNude 2 points  

They don't claim not to know it, they claim not to factor it in.

[–]egotrip21 1 point  

So like they record all the data and just promise not to use some of it?

[–]babybambam -17 points  

Which can be determined by the tracker. It won't be precise enough to say driver was going 60 in a 55, but it is precise enough for them to determine driver is reckless (90 in a 55).

[–]TobyFunkeNeverNude 16 points  

How exactly will it determine speed at all? You know how much g force is applied when one is going a steady 90mph? The same as a car at a red light

[–]Paul_The_Builder 2 points  

The device can tell how fast you are traveling, it has a GPS receiver in it. And it could probably get the speed from the car's ECU, but I don't believe they do.

But (assuming the Progressive rep wasn't lying to me), they don't take the data of how fast you are traveling into account to determine your policy. Although I wouldn't be surprised if it would have some flag that is thrown for a very high speed detected, like 90+ mph.

[–]TobyFunkeNeverNude 2 points  

Yeah, makes sense.... thanks for clarifying

[–]ghostowl657 0 points  

I'm not sure if you're aware of this, but cars already have a built in sensor for speed...

[–]TobyFunkeNeverNude 5 points  

I'm well aware of that. Nothing about my comment contradicted that fact. Are YOU aware that Progressive doesn't automatically have connectivity to a car's speedometer?

[–]ghostowl657 1 point  

Hmm, it seems you are right. I assumed because it plugged into the OBD-2 that it would naturally access that data. Apparently it gets speed and location data from GPS. I wonder if that's so it can't be spoofed.

[–]TobyFunkeNeverNude 1 point  

Possibly, I'm not sure, but yeah, I'd guess your theory might be accurate

[–]babybambam -4 points  

Steady speed has no forces acting upon the body. Forces apply one acceleration (+/-) occurs.

Kahn Academy does a much better job of explaining physics than I'm willing to try.

[–]TobyFunkeNeverNude 8 points  

Did you read my entire comment? I said exactly that. But that's the point.... you're saying it could determine the car was going 90. There's no way to make that determination, it would only measure changes in velocity.

[–]arcxjo 2 points  

But what it can't track is what the speed limit was wherever you drove. They don't have GPS.

[–]Spidaaman 71 points  

This might be the dumbest post I’ve ever seen on this sub. Congrats OP.

[–]RockStrongo61 53 points  

You don’t drive rough, you drive like an ass

[–]Mudslingshot 21 points  

The real YSK is that OP is out there on the road

They could tell us a city, at least, so we can be careful

[–]believingunbeliever 7 points  

Drive rough lol

Nah op Drives BAD.

[–]wwwhistler 2 points  

and if you are in an accident that has a large possible payout....they will be scouring your records for any reason to retroactively cancel you. in order to avoid liability.

[–]MattJC123 42 points  

Admitted bad driver surprised when his insurance is canceled.

shocked_pikachu.jpg

🤦‍♂️

[–]ktjtkt 24 points  

That is literally the point of the device. They tell you that.

[–]John_Tacos 27 points  

Well, you are refusing to drive safe, so you do not get to save.

They even named the program clearly for you.

If you cannot change your driving habits, do not drive.

[–]kellsdeep 22 points  

You willfully suck at driving

[–]cyberentomology 1 point  

Not sure why anyone would drive rough like that, it uses way more gas than driving like a rational human being.

[–]ribbitman 1 point  

Well...you do have to drive artificially carefully and slowly. Like by a lot. It's a pain.

[–]jcgreen_72 2 points  

Brake =/= Break

[–]Chimerain 1 point  

Fixed the two instances of 'break' for you.

[–]jcgreen_72 1 point  

There were 5 and thanks

[–]Chimerain 1 point  

Lol there were two; I counted as I fixed them, and the rest were already correct. Have a wonderful, pedantic rest of your day.

[–]jcgreen_72 1 point  

Will do. Try not to kill anyone being a menace on the streets every day. 

[–]Pippin02 3 points  

"I drive rough" just say you're a bad driver and go, this is obvious

[–]tangtheconqueror 3 points  

hahahahaha, imagine admitting all of this on of your own volition.

[–]imtalkintou 3 points  

Well duh.

[–]SilasDG 3 points  

Honestly, if you have to be told the device given to you for free to plug into a data port on your car by your insurance company will be used to decide what actions to take on your policy:

Maybe you are too inept to drive and should have your license pulled.

[–]justhereforthemoneey 3 points  

Ummm.

Duh

[–]sofaking_scientific 8 points  

Don't consent. Your data is more important than a discount. Just switch companies

[–][deleted]  

[deleted]

[–]musedav 3 points  

Idiot

[–]billwood09 1 point  

r/conservative is full of idiotic posts that get upvotes too.

Also, because people scroll, see the title, and upvote and keep scrolling without opening to see the actual terrible take inside of this.

You drive like trash, then you’re surprised pikachu face when insurance deems you too much of a risk to keep going, THEN you refuse to correct your ways?! What’s wrong with you?!

[–]Chimerain 2 points  

Ugh. I really wish I had seen those links before I agreed to one... But once you start, you can't stop for 6 months or else your rates go up to the max. It's awful.

[–]satori0320 2 points  

Last year we switched to farmers for 6 months or so, and their accelerometer package isn't an OBD II device, but I told the wife hell no we're not putting that shit in our car.

I've read enough about data collection that I'd not add to the stream of information that our phones generate already.

[–]ACharmingMonster 5 points  

They took 80 dollars off my rate

[–]j0hnredk0rn 1 point  

Duh

[–]SteelTerps 1 point  

That you thought a tracking device in your car wouldn't be used negatively against you says a lot more about you than you think

[–]Steph_Better_ 1 point  

I’m a bad driver feel bad for me that I can’t get insured sure is a take

[–]Mountain-Hold-8331 1 point  

Wow holy shit, YSK: don't fuckin be this guy

[–]hell-si 1 point  

Good. People like that shouldn't be allowed to drive.

[–]phoneenjoyer 1 point  

🙄

[–]cyberentomology 1 point  

Because most people react to deer incorrectly and swerve harder than they can handle, and end up wrecking the car.

If you just plow into the deer, that falls under comprehensive coverage. If you swerve and hit a tree or otherwise miss the deer and wreck the car, that’s collision and will affect your rates.

[–]Colzamann 1 point  

Avoid was probably the wrong word. I just brake as much as I can.

[–]BlitzAceXIII 0 points  

How long did you have the tracker for? I used mine for 2 months, and then they had me send it back.

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