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Old 08-05-2011, 04:52 PM   #1
AVANTI R5
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Default State Farm Insurance offers drivers an OnStar-like system




Quote:
Telematic services, such as General Motor's OnStar, will soon grow by one more competitor: In-Drive. But this "connected vehicle service" isn't offered as just a convenience option for a particular brand of cars. Instead, it's an in-car service that might help you save money—if you have a car insurance policy from State Farm Insurance.

The In-Drive service, a joint effort with Hughes Telematics, is like a mash-up of OnStar's aftermarket offering and Progressive Insurance's Snapshot. A small device plugs into the diagnostic port of any car made after 1995 and a communication device can be attached to the car's visor. Together, the add-ons allow drivers to access emergency roadside assistance, vehicle diagnostics, and maintenance reminders.

While it doesn't offer in-vehicle navigation or mobile phone calling, the In-Drive pricing seems attractive. Service is free—after a $10 activation fee—for the first six months. After that, monthly fees are just $5 to $15, depending on the type of services desired.

However, if In-Drive subscribers opt-in to link the service to State Farm's Drive Safe & Save vehicle insurance program, they may save roughly 10 percent on liability, medical payments, collision, and comprehensive coverages. And according to State Farm's press release, "the discount may increase up to 50 percent." The catch: State Farm accesses In-Drive data—vehicle mileage, speed, and braking performance—to determine when and how policy holders drive.

In a recent Consumer Reports report on how to save on car insurance, we noted that such programs have their advantages—and disadvantages. (See: Take advantage of discounts.) A similar program offered by Progressive, for example, found that drivers could save up to 30 percent—if they drive less than national average mileage (about 12,000 miles annually), avoid operation from midnight to 4 a.m., and don't stomp on the brake pedal. But if the data collected show that you're a risk-taker behind the wheel, your insurance rates could go up by as much as 9 percent in some states.
http://news.consumerreports.org/cars...ke-system.html
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Old 08-05-2011, 04:54 PM   #2
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Originally Posted by AVANTI R5 View Post
The catch: State Farm accesses In-Drive data—vehicle mileage, speed, and braking performance—to determine when and how policy holders drive.
Do not want...
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Old 08-05-2011, 05:41 PM   #3
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I'd do it for a 30% discount. On the other hand, I already saved way more than 30% by switching from State Farm to my current insurer, Liberty Mutual. YMMV/I get an institutional discount from my previous employer/etc. etc.
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Old 08-05-2011, 06:03 PM   #4
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I thought you were institutionalized
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Old 08-05-2011, 06:09 PM   #5
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Not yet... as long as I can keep 'em fooled.
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Old 08-05-2011, 06:10 PM   #6
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Hmmm... Just switched to All State from State Farm after almost 10 years (over 20 years for my mom and she just switched, too).

They're starting to get ridiculous relative to like-insurance companies.
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Old 08-05-2011, 07:28 PM   #7
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Originally Posted by chanomatik View Post
Hmmm... Just switched to All State from State Farm after almost 10 years (over 20 years for my mom and she just switched, too).

They're starting to get ridiculous relative to like-insurance companies.
Allstate and State Farm are ranked second and third, respectively, on the FBIC's list of bad-faith insurance companies.

Worth a look:
http://www.badfaithinsurance.org/indexdetaillist.html
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Old 08-05-2011, 07:37 PM   #8
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Conning people into accepting surveillance. Fantastic.
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Old 08-05-2011, 07:48 PM   #9
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Conning people into accepting surveillance. Fantastic.
There's no "conning" here. It's a deal: You may get a discount and you'll definitely at least get OnStar style roadside assistance if you let us monitor your driving habits and you prove to be a sedate driver.

It's private enterprise at work. You should love it.
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Old 08-05-2011, 08:21 PM   #10
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Quote:
Originally Posted by Spenk View Post
Allstate and State Farm are ranked second and third, respectively, on the FBIC's list of bad-faith insurance companies.

Worth a look:
http://www.badfaithinsurance.org/indexdetaillist.html
That's interesting! Worth a look for sure. Thanks!
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Old 08-05-2011, 11:43 PM   #11
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Minus the onstar function, Progressive insurance already have something like that.
Hey, if I can save atleast 30% on my car insurance, they can go ahead and log my car infos. It'll make me drive more carefully, it'll be safer for me and everybody else, and I'll have more left over money for vacations!
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Old 08-05-2011, 11:51 PM   #12
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was just talking about state farm insurance today as a possibility for my gf..don't like the idea of all that instrusiveness though
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Old 08-06-2011, 01:40 AM   #13
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Do these insurance companies disclose what they track about you, how they use it, and how it might be used against you if your interests and the insurance companies interests diverge from each other?

Do they release information if law enforcment or any other agency can get ahold of the data they collect on you?

Free enterprise has the aspect of freedom. What happens when no insurance company will insure you if you DON'T allow them to track you?

Thanks, but no way in hell.
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Old 08-06-2011, 02:30 AM   #14
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Free enterprise has the aspect of freedom. What happens when no insurance company will insure you if you DON'T allow them to track you?
Then you:

a) Get some investors together and start your own insurance company
b) Take the bus
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Old 08-06-2011, 03:55 AM   #15
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Quote:
Originally Posted by shikataganai

Then you:

a) Get some investors together and start your own insurance company
b) Take the bus
Or
c) Prove you can 'self insure' through a reserve of your own savings that meets the state minimum for self insurance. (Cali allows this. Not sure who else does. Point is you don't HAVE to have a third party insurer to drive.)
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Old 08-06-2011, 04:52 AM   #16
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^ My family did that.. It is cheaper to get Insurance and play the game. I bumped bambi and got my 7 year STI with 175K all redone for 500 Deposit and increase. You got to learn the game...
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Old 08-06-2011, 11:54 AM   #17
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Originally Posted by shikataganai View Post
Then you:

a) Get some investors together and start your own insurance company
b) Take the bus
There are still honest insurance companies out there, until the government regulates them out of business, like Obamacare is going to regulate the private health insurance industry out of business.

Newsflash, there aren't any busses in most of the wide-open spaces of this country, and cars are not just a luxury, they are a vital necessity.
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