How do they know who is driving? My life 360 app give a driver report and reports 100s of instances of using a phone while driving....but if I'm a passenger in a car and using my phone, the app won't know if I'm driving or not and just think I'm on my phone the whole time

Is the discount now even worth it?

They will just use that data to increase rates in the future and your discount will be nullified.

Anonymous wrote:I have my insurer’s app that already logs my driving voluntarily for a discount. At first I was resistant, but I barely drive anywhere during the week and am very boring, so it’s showing me a 40% discount at next renewal.

They dangled a carrot…

Time will tell if you get that full discount.

Anonymous wrote:I have my insurer’s app that already logs my driving voluntarily for a discount. At first I was resistant, but I barely drive anywhere during the week and am very boring, so it’s showing me a 40% discount at next renewal.

they could raise the price 30% first then give 40% discount... or not

They tried to get me to install their app, I was like heck no.

Geico offered a discount to my DS if he downloaded the How Am I Driving app. He declined.

I have my insurer’s app that already logs my driving voluntarily for a discount. At first I was resistant, but I barely drive anywhere during the week and am very boring, so it’s showing me a 40% discount at next renewal.

Then I should be in for a rate reduction because I’m a very sedate driver. The accelerometer in my phone is probably pretty bored.

The story from the NY Times....

Is Your Driving Being Secretly Scored?
Kashmir Hill, June 9, 2024

The insurance industry, hungry for insights into how people drive, has turned to automakers and smartphone apps like Life360.

https://www.nytimes.com/2024/06/09/technology/driver-scores-insurance-data-apps.html

Date correction - June 11, 2024

Your Phone is Telling Insurance Companies How You Drive...



June 11, 2023 Lehto's Law
Often through apps you didn't know were doing this.