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Should your auto insurance provider spy on you?

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

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

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

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

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Submitted Nov 29, 2012 By: PD

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LeftLane1 Champion Author Georgia Posts:14,130 Points:1,891,415 Joined:May 2007	Message Posted: Dec 9, 2012 5:09:47 AM Ignore LeftLane1 Report Abuse The Govt opened the door & gave seal of Approval, collusion
LeftLane1 Champion Author Georgia Posts:14,130 Points:1,891,415 Joined:May 2007	Message Posted: Dec 9, 2012 5:08:48 AM Ignore LeftLane1 Report Abuse NOT JUST NO, H@LL NO!
Godozo All-Star Author Gary Posts:723 Points:582,340 Joined:Dec 2010	Message Posted: Dec 8, 2012 10:58:28 PM Ignore Godozo Report Abuse Sad thing is that everyone's blaming the government for this when it's the insurance companies that are itching to use these on everyone. Heck, the government would probably BAN these if the people were think it important enough to tell their congressman – we'll see if we're allowed to protest this.
danny1460 Rookie Author Atlanta Posts:85 Points:303,300 Joined:May 2007	Message Posted: Dec 8, 2012 12:06:15 PM Ignore danny1460 Report Abuse Does missisippi require insurance now!
danny1460 Rookie Author Atlanta Posts:85 Points:303,300 Joined:May 2007	Message Posted: Dec 8, 2012 12:05:00 PM Ignore danny1460 Report Abuse Let them check the dmv like my employer has to do for CDL!
ekimac Rookie Author Lexington Posts:5 Points:147,705 Joined:Apr 2006	Message Posted: Dec 8, 2012 8:16:13 AM Ignore ekimac Report Abuse When I first heard of these, in insurance company ads touting how they'd reduce your rates, my IMMEDIATE thought was that in very short order they'd become mandatory for everyone as a means of controlling us. Unless we do something to stop that, it WILL happen.
honda0105 Champion Author Tallahassee Posts:18,828 Points:1,637,220 Joined:Nov 2008	Message Posted: Dec 5, 2012 4:41:56 AM Ignore honda0105 Report Abuse hpm: you can always drive w/out insurance.. illegally of course (unless Blade Runner becomes reality, but then, who needs a car anyways?)
skidsteer85xt Champion Author Indiana Posts:4,080 Points:214,725 Joined:Oct 2012	Message Posted: Dec 4, 2012 4:33:06 PM Ignore skidsteer85xt Report Abuse Not interested
777777777 Rookie Author Nevada Posts:12 Points:172,795 Joined:Dec 2012	Message Posted: Dec 4, 2012 2:53:21 PM Ignore 777777777 Report Abuse Very bad news.
honda0105 Champion Author Tallahassee Posts:18,828 Points:1,637,220 Joined:Nov 2008	Message Posted: Dec 4, 2012 4:48:36 AM Ignore honda0105 Report Abuse if these devices are mandatory to have insurance, I may decide to not carry insurance...too much nanny-stating for me.
hpmossii Sophomore Author Pennsylvania Posts:209 Points:194,100 Joined:Oct 2012	Message Posted: Dec 3, 2012 10:37:46 PM Ignore hpmossii Report Abuse In a couple years when these are required to get auto insurance - which is required to legally drive a vehicle - we will all be shackled.
honda0105 Champion Author Tallahassee Posts:18,828 Points:1,637,220 Joined:Nov 2008	Message Posted: Dec 3, 2012 4:52:37 AM Ignore honda0105 Report Abuse Turbo: no doubt. I feel that same way.
turbokawi Rookie Author Phoenix Posts:5 Points:146,900 Joined:Oct 2010	Message Posted: Dec 2, 2012 12:04:48 PM Ignore turbokawi Report Abuse A good reason to keep the old non tech car......lol
LeftLane1 Champion Author Georgia Posts:14,130 Points:1,891,415 Joined:May 2007	Message Posted: Dec 2, 2012 11:54:08 AM Ignore LeftLane1 Report Abuse I will fire them and fight any insurance company who puts us at risk in this manner, same as health insurance executives playing doctors by deciding you dont need medicine or treatments.
honda0105 Champion Author Tallahassee Posts:18,828 Points:1,637,220 Joined:Nov 2008	Message Posted: Dec 1, 2012 11:24:46 PM Ignore honda0105 Report Abuse welcome to 1984....
kishoreCA Champion Author Ventura Posts:3,303 Points:420,595 Joined:Mar 2012	Message Posted: Nov 30, 2012 8:32:34 AM Ignore kishoreCA Report Abuse very old news.
OldMan322 Champion Author Illinois Posts:5,287 Points:1,622,130 Joined:Jul 2008	Message Posted: Nov 30, 2012 7:58:32 AM Ignore OldMan322 Report Abuse NO !! but they already do
kevin9324 Rookie Author Massachusetts Posts:26 Points:96,515 Joined:Oct 2012	Message Posted: Nov 30, 2012 7:27:45 AM Ignore kevin9324 Report Abuse no
dylan126 Champion Author Cleveland Posts:4,573 Points:622,070 Joined:Sep 2011	Message Posted: Nov 30, 2012 5:19:09 AM Ignore dylan126 Report Abuse NO WAY.....but if people protest by getting the least amount of insurance on every thing they own maybe they will think twice.....liability no compressive if you own the auto....different deductible, I pay a lot for insurance and that is what I would do......
dar 1 Champion Author Michigan Posts:6,027 Points:452,670 Joined:Jan 2005	Message Posted: Nov 30, 2012 5:10:22 AM Ignore dar 1 Report Abuse OLDE.... but yes
DLL66 Veteran Author Nashville Posts:377 Points:433,690 Joined:Aug 2006	Message Posted: Nov 30, 2012 5:09:41 AM Ignore DLL66 Report Abuse I seen this coming as soon as I heard about this! Another way for the Insurance companies to monitor your habits and charge you a higher rates for you past performances.
D4444J Champion Author Albuquerque Posts:1,983 Points:616,560 Joined:Aug 2011	Message Posted: Nov 30, 2012 5:08:18 AM Ignore D4444J Report Abuse Why do they have to monitor this? Why not just a personal devise? Such crap!
teamsimons Champion Author South Carolina Posts:2,576 Points:525,955 Joined:Aug 2011	Message Posted: Nov 30, 2012 5:05:20 AM Ignore teamsimons Report Abuse Big Brother arrival, indeed! But unless they start forcing consumers to use the devices, we think that this is all voluntary right now. It's the same kind of thing as using a rewards or loyalty card at the grocery store. The user is giving the store permission to watch what they buy in exchange for a small discount on selected items. Still, what does this have to do with gas prices?
alanhan All-Star Author Atlanta Posts:538 Points:1,181,310 Joined:Aug 2008	Message Posted: Nov 30, 2012 5:04:12 AM Ignore alanhan Report Abuse A discount of what....5%? Not worth it!!!
Zuman Champion Author New York Posts:6,304 Points:1,926,380 Joined:May 2005	Message Posted: Nov 30, 2012 5:03:27 AM Ignore Zuman Report Abuse NO WAY.........................
hybridaholic Champion Author Appleton Posts:8,505 Points:1,584,265 Joined:Dec 2008	Message Posted: Nov 30, 2012 5:03:23 AM Ignore hybridaholic Report Abuse Don't even go there.
2parrots Champion Author Massachusetts Posts:1,702 Points:373,240 Joined:May 2012	Message Posted: Nov 30, 2012 5:03:18 AM Ignore 2parrots Report Abuse old post
Jeffro61 Champion Author Cleveland Posts:2,408 Points:2,310,945 Joined:Oct 2005	Message Posted: Nov 30, 2012 5:02:58 AM Ignore Jeffro61 Report Abuse Old news
oas Champion Author Maryland Posts:4,370 Points:2,169,115 Joined:Feb 2005	Message Posted: Nov 30, 2012 5:02:24 AM Ignore oas Report Abuse This could be a slippery slope. Keep it optional.
subnuke Champion Author Atlanta Posts:7,623 Points:1,535,190 Joined:Sep 2008	Message Posted: Nov 30, 2012 5:02:13 AM Ignore subnuke Report Abuse if you don't behave, the nanny will take over
scubadaniel Champion Author Dayton Posts:1,556 Points:719,525 Joined:Jan 2011	Message Posted: Nov 30, 2012 5:01:56 AM Ignore scubadaniel Report Abuse Sounds like the camels nose under the tent
no_monkey2002 Champion Author Tallahassee Posts:8,528 Points:2,093,135 Joined:Mar 2006	Message Posted: Nov 30, 2012 5:01:25 AM Ignore no_monkey2002 Report Abuse it will be the law before long..give them a inch and they will take a mile
chuckohio Champion Author Columbus Posts:1,394 Points:279,080 Joined:Aug 2012	Message Posted: Nov 30, 2012 5:00:55 AM Ignore chuckohio Report Abuse Not a good idea
dudleydolittle Champion Author Cleveland Posts:4,573 Points:618,145 Joined:Sep 2011	Message Posted: Nov 30, 2012 5:00:33 AM Ignore dudleydolittle Report Abuse this started with the jerk in Ohio using his own daughter.....
1fulltank Champion Author Buffalo Posts:8,041 Points:1,571,970 Joined:Nov 2008	Message Posted: Nov 30, 2012 4:58:38 AM Ignore 1fulltank Report Abuse Progressive Snapshot: nothing more than a glorified bug.
isem Champion Author Missouri Posts:2,066 Points:450,885 Joined:Feb 2012	Message Posted: Nov 30, 2012 4:57:28 AM Ignore isem Report Abuse Just say NO...
LeeFree Champion Author Pittsburgh Posts:9,291 Points:2,271,150 Joined:Jun 2005	Message Posted: Nov 30, 2012 4:55:30 AM Ignore LeeFree Report Abuse For high risk drivers maybe, but not for people with clean records.
pfone1847 Champion Author Illinois Posts:3,326 Points:651,280 Joined:Oct 2010	Message Posted: Nov 30, 2012 4:55:02 AM Ignore pfone1847 Report Abuse No
padlocks2 Champion Author Virginia Posts:3,062 Points:621,880 Joined:Aug 2006	Message Posted: Nov 30, 2012 4:54:27 AM Ignore padlocks2 Report Abuse nope
BigBearHug Champion Author Amarillo Posts:2,344 Points:512,805 Joined:Dec 2011	Message Posted: Nov 30, 2012 4:52:53 AM Ignore BigBearHug Report Abuse no!
Mandrake All-Star Author Alabama Posts:517 Points:2,235,835 Joined:Apr 2004	Message Posted: Nov 30, 2012 4:52:22 AM Ignore Mandrake Report Abuse The problem is that while most speed limits are known, insofar as which stretches of road have what speeds, there will be many instances the monitor-box will 'think' you're speeding but in reality, you are not. Navteq even has a great many speed limits missing from their maps they sell to customers like Garmin. JacksonLittle stated Progressive's Snapshot is for "...all their clients..." It's available but not mandatory. Using Snapshot won't help all people, especially those with long commutes and/or those with unorthodox work schedules. Progressive Snapshot FAQ There is no GPS involved nor does it know when you're speeding. It's tracking how hard you accelerate & decelerate, in addition to how many miles you're driving.
blueliner16 Champion Author Detroit Posts:9,861 Points:2,201,785 Joined:Aug 2006	Message Posted: Nov 30, 2012 4:51:45 AM Ignore blueliner16 Report Abuse Just recording my speed does not tell someone how I drive. Maybe if these things could record how often people cut others off or tailgate it would do some good. These things cause accidents more that just going fast.
Baron62nd Champion Author Illinois Posts:7,160 Points:1,697,025 Joined:Sep 2007	Message Posted: Nov 30, 2012 4:50:59 AM Ignore Baron62nd Report Abuse "I do not trust insurance companies any more than I trust the government." I'm with you there, Jim.
silverfox63 Champion Author Michigan Posts:8,247 Points:1,636,490 Joined:Oct 2008	Message Posted: Nov 30, 2012 4:50:05 AM Ignore silverfox63 Report Abuse The answer for this is "NO".
BazooQC Champion Author Montreal Posts:9,846 Points:1,663,175 Joined:Oct 2008	Message Posted: Nov 30, 2012 4:49:46 AM Ignore BazooQC Report Abuse Disturbing trend developing ...
jim48656 All-Star Author Michigan Posts:666 Points:240,635 Joined:Apr 2012	Message Posted: Nov 30, 2012 4:47:54 AM Ignore jim48656 Report Abuse I do not trust insurance companies any more than I trust the government. They do not have your best interest on their minds. I have dealt with insurance companies and I know they take care of their own profit not you.
Lengas Champion Author Gary Posts:13,698 Points:2,745,475 Joined:Nov 2004	Message Posted: Nov 30, 2012 4:47:53 AM Ignore Lengas Report Abuse NO
neptune2008 Champion Author Michigan Posts:8,711 Points:1,697,200 Joined:Aug 2008	Message Posted: Nov 30, 2012 4:47:51 AM Ignore neptune2008 Report Abuse NO!
scottydoesnt Champion Author Chicago Posts:3,923 Points:540,670 Joined:Apr 2011	Message Posted: Nov 30, 2012 4:47:44 AM Ignore scottydoesnt Report Abuse I don't think anyone should spy on the general public.
tomok Champion Author Portland Posts:33,600 Points:2,373,210 Joined:Aug 2006	Message Posted: Nov 30, 2012 4:40:13 AM Ignore tomok Report Abuse Should your auto insurance provider spy on you? If you agree with the auto insurance company to put a device on your vehicle to monitor your driving for cheaper insurance rates then that is your choice but only With the insurance company and Not the government. The vehicle can have alerts, lights and sounds to let you know when the vehicle speed is being exceeded for the area you are in, alert you if you drift out of your lane or an alert for an upcoming stop sign, red light or traffic cameras but not connected to the government or any information relayed by wi-fi. No Big Brother wanted or needed! Whatever the size or shape of the vehicle, vehicle manufactures Produce and the population ‘Drives’ vehicles with high MPG, are very safe, reliable, have a ‘reasonable’ cost and a good ‘value’ for the money. The price of fuel at the pump is too high! XII/XXII/MMXII!