"themanwithsauce - has as many vehicles as job titles" (themanwithsauce)
05/09/2014 at 11:08 • Filed to: insurance
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"themanwithsauce - has as many vehicles as job titles" (themanwithsauce)
05/09/2014 at 11:08 • Filed to: insurance | 0
| 24 |
I signed up for Progressive's snapshot program but I am returning the device the same day I get it. Here's why - If you unplug the device, the device will reset its memory if you plug it back into your car. That's all well and good if you have an issue with the device. However, if you compete in autocrosses every other weekend you essentially lose your data OR you rack up a new high score when you leave it plugged in.
Thankfully, the progressive agents seemed fully understanding that I compete in SCCA events and had zero issues or questions when I explained that's where my car would be used hard at. But they wouldn't let me call up to explain and "excuse" those days when I would be competing. So if you want to enroll in one of these programs with a car that you thrash around on a track or in a controlled environment, you're probably SOL.
Nibbles
> themanwithsauce - has as many vehicles as job titles
05/09/2014 at 11:12 |
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The only time I've seen one of those actually garner a discount was when my friend plugged it into his 2001 S-10. He then let the truck sit for three months, with the occasional trip to the store (across the fucking street) maybe once or twice. BAM immediate 40% discount.
He returned the unit, retains his discount, sold the truck, and now hoons an MS3 and an MS6 with a hefty insurance discount. Part of me really really hates him
Frank Grimes
> Nibbles
05/09/2014 at 11:13 |
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seems dishonest.
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Nibbles
> Frank Grimes
05/09/2014 at 11:14 |
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Rather. But who am I to judge? He comes over and regularly lets me hoon either of his MazdaSpeeds at any time.
CAR_IS_MI
> Frank Grimes
05/09/2014 at 11:16 |
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I don't mind being dishonest to insurance companies....
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Frank Grimes
> Nibbles
05/09/2014 at 11:16 |
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Well at least he is a generous thoughtful criminal.
Wacko
> CAR_IS_MI
05/09/2014 at 11:17 |
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good to know since I work for an insurance Company
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Frank Grimes
> CAR_IS_MI
05/09/2014 at 11:17 |
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well lets not get into a ethics debate here but I can sympathize for that feeling insurance has never helped me and yet I still pay for it.
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CAR_IS_MI
> Frank Grimes
05/09/2014 at 11:20 |
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No ethics debate, just saying, if putting a thing on a car I rarely drive could get me a 40% discount on something I am forced to pay for but hopefully never need (I only need my insurance if I hit someone, not if someone hits me...) I would do it.
MontegoMan562 is a Capri RS Owner
> Frank Grimes
05/09/2014 at 11:21 |
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and they say there's no honor among thieves!
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Nibbles
> Frank Grimes
05/09/2014 at 11:21 |
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He played their game better than they did; that's all.
Also the snapshot is finicky! We had one in the Focus, of all cars, and it actually dinged us for accelerating too quickly. In a car that does 0-60 in 12 seconds. Accelerating too quickly.
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Frank Grimes
> Nibbles
05/09/2014 at 11:24 |
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wait they charged you more for insurance for accelerating too fast?
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Nibbles
> Frank Grimes
05/09/2014 at 11:28 |
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No, but after two months of having it plugged in, we got a call from them saying something to the effect of "with your driving habits and distance, we can't offer you any discounts on your insurance. Please return the dongle"
Habits: Driving to work and back, 12:00AM to 9:00 AM. Down country roads. Sometimes trips on the freeway requiring us to floor the car to reach speed.
Merkin Muffley
> Frank Grimes
05/09/2014 at 11:29 |
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the day insurance companies stop using dishonest tactics without being forced to by legislation is the day I'll start feeling bad for them when customers figure out a way to get a bit of their own back.
Converse
> Frank Grimes
05/09/2014 at 11:30 |
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That's why the Snapshot is ridiculous. According to Progressive, you are safer driving with very little input. I've heard more stories about people running more red lights to avoid slamming the brakes because then the Snapshot would ding them. You tell me which is safer and therefore less likely to trigger an insurance event...
davedave1111
> Frank Grimes
05/09/2014 at 12:02 |
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Not so much dishonest as helping the insurance company work out the flaws in the new system. Unless he falsely told them it was his only car at the time, or something.
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davedave1111
> CAR_IS_MI
05/09/2014 at 12:03 |
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Being dishonest with insurance companies is a bad plan. What you want to do is be honest and still win, because if you've deliberately deceived them - even by omission - your contract is not valid.
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Frank Grimes
> davedave1111
05/09/2014 at 12:05 |
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He should send them a bill for his error testing skillz.
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CAR_IS_MI
> davedave1111
05/09/2014 at 12:05 |
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It's not blatantly lying to them, just finding a loophole and pulling a Clinton.
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davedave1111
> CAR_IS_MI
05/09/2014 at 12:09 |
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You can't pull a Clinton with insurance, that's the point. You have a duty to act in good faith when disclosing anything that might affect your premium.
yamahog
> Nibbles
05/09/2014 at 12:10 |
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I.... might have to do this. Unless it can ding me for driving around with a constant CEL.
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CAR_IS_MI
> davedave1111
05/09/2014 at 12:12 |
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Yet I have yet to witness an insurance company reciprocate the act of 'good faith'
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Nibbles
> yamahog
05/09/2014 at 12:15 |
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I dunno. They've been very purposely vague about what data they have access to, what data they transmit, and what exactly goes into their metrics.
briannutter1
> themanwithsauce - has as many vehicles as job titles
05/09/2014 at 13:13 |
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They offered it to me and I refused it. She gave a little gasp when I called it Orwellian.
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davedave1111
> CAR_IS_MI
05/09/2014 at 13:36 |
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To an extent you'd be right, except that a) insurance companies don't normally try to mislead people as to what they're covering and b) it doesn't have to work that way around because insurance is the insurer making book on your driving, not you making book on them.