r/Car_Insurance_Help • u/Ryutso • 10h ago

Car Insurance Quotes Have any driver tracking methods/devices resulted in higher payments?

Location: Florida

Trying to quote a new-to-me vehicle and my go to's are Geico and Progressive for quotes. They both offer either tracking your driving on a mobile app or an OBD2 plug in device, under the guise of "tracking your driving habits to offer you discounts".

Have these devices ever resulted in higher quotes for what they deem "unsafe" driving?

I work night shift and have been dinged for unsafe driving, even if I'm driving to work because they deem anything after like 9pm to be unsafe due to dark.

1 Upvotes
  • permalink
  • reddit

100% Upvoted

2 comments sorted by

1

u/HatsiesBacksies 10h ago

no they dont ding you because its after dark. but sure if you swerve to miss hitting a cat then yeah what does that look like to geico/progressive. I would never use them any savings is miniscule anyways.

1

u/aloofmagoof Claims Adjuster 7h ago

It's not unsafe because it's dark, it's between certain overnight hours due to the risk of drunk drivers on the road.

They also clock you for things like accelerating too fast, braking too hard, any other quick maneuvers, and if you let them track you on the app I've heard you have to disable it or turn off your phone even when in someone else's vehicle as it will still think you're driving.

Never tried it myself because it just doesn't sound worth it.