When I drove my 2012 Focus, I got a discount through State Farm for reporting my mileage through Vehicle Health Reports (Drive Safe and Save). I got a discount since I put on less mileage than average. According to State Farm because not all 2015 Mustangs can send Vehicle Health Reports, State Farm decided that they would not offer the discount using Sync on ANY 2015 Mustangs. To get the discount you have to an IN-DRIVE device that tracks all kinds of information on how you drive, where you drive, and when you drive. That really sucks because I got about $100 year discount. And I am not going to use IN-DRIVE.

 

We have enough intrusion by the feds. The last thing I'd ever allow is a private company reading my cars thoughts....no matter how good the savings.

 

I agree. I do not mind simply reporting the mileage since that is all Sync does. But In-Drive is a no go with what they report.

 

I wouldn't use InDrive even if it made my insurance free.

 

I switched to Geico and saved 15% or more on my car insurance. Really.

 

Lol me too! No joke

 

I have state farm now and have had them for 10 years no accidents never called them for anything but every month they go up $5.00 to $10.00. So I think that I will give Geico a call too..

 

Yeah, insurance takes money they don't give money.

 

this is intentional on how they operate, I tried to get a policy (after not driving for a few years) they wanted over $700 just to start my policy and all that jazz...they said I was a "unknown risk and that they are unable to look up my past records" (total BS)

so I switched to geico and I am at this time paying only $47 a month and its projected to go down....YAY!!!

 

I applied for Geico with a credit score of 730 and got denied for bad credit. NO JOKE! If they can do that I don't want them as my insurance company.

 

wow something is really messed up there, I don't have perfict credit and I still got Geico....call them up and see if you can find out why they denied you at a 730.....that is a bit strange...

 

I had State Farm and got a really big safe driver discount. Kids with good grades even bigger. In the local news they did a segment that if you use a device in the car the insurance company even if driving really safe could really raise your rates based on the accelerometer in the car.It's nuts I would never use one.

 

I work for an agent for one of the larger insurance companies that offers those devices. We cannot use the data against you to charge you more money. The worse they can do is take away an discounts for unsafe driving. Most companies are the same way.

Also sorry to burst your bubble guys but no matter how important you think you are the insurance company isn't tracking exactly where you are going and what you are doing. They don't care. Its more about braking distance, speed, and how much you are driving. Outliers are the one more likely to be in an accident. That's it.

 

Applied? I called and got a quote in like 5 minutes.

 

You shure you didn't go to a bank drunk and thought you going to get insurance?
What does your credit got to do with car insurance.

 

It's a bill you have to pay on time, and they need to know you're going to a) have at least your deductible and b) that you're trustworthy enough to not run from the scene of an accident. Their liability has everything to do with your credit (literally and figuratively).

 

Just wait... In the future, this will become a default thing for all insurance companies, and if you choose to not use the device or use vehicle health reports, you will just pay a penalty or additional premium. Then just wait until self-driving cars become the standard. If you choose to drive a non-self driving car, you will pay an additional premium or penalty because it is "less safe". Mark my words!! Just like how older cars without airbags can cost more to insure. All of it will be justified with "making the cost of insurance less for the general public and increasing the safety on our roads." The government can't force you to put a tracking device on your car, but a private business like an insurance company can tell you to do it or face additional fees. They'll have us by the ***** in no time.

/rant

 

"I saved more than that in HALF the time!"

 

well I guess I have a good situation for my self, as I wouldn't have to keep the device IN my car (plus why would I want it to drain the battery?) but hey I have access to another car that very rarely moves at all...so even if I had to use one of those things...I could just leave it in the car that sits and we don't drive very often...(thankfully I don't have to drive much anyways)

 

I learned it is not just about what you pay for insurance in 2007. I was t-boned in my six month old 2007 Mustang. Both the tow truck driver and the collision shop told me the same thing. Go through my State Farm policy rather than the at fault driver's Progressive policy. State Farm would require repair with Ford parts and Progressive would require repair with OEM parts when available.