As usual have nothing to do with the original assertion that these are
GPS monitors that can do more than track total miles and speed
Your original "statement" that trader was responding to was this:
You wouldn't know a true fact if is bit you on your virtual ass.
And yet your own response negates what you said.
Statistics are like bikinis. What they reveal is suggestive,
but what they conceal is vital.
What the insurance companies claim these OBD dongles do, and what they
can really do, are 2 different questions.
There are MANY OBD-2 dongles that currently exist that log vehicle data
(brake use, vehicle speed) AND have built-in GPS AND can send that data
to monitors via cellular service.
It's only a matter of time (a short matter of time) before insurance
companies are up-front about wanting to match that info with gps
locations (or admitting they already have it in the dongles they've
Any gadgets they provide that don't connect to your obd port will
defacto be GPS trackers, but in looking at what's available now, it's
1) An OBD dongle has sufficient GPS reception capability given the
location of these ports in passenger vehicles and the capabilities of
GPS receiver modules
2) The OBD dongle is much less likely to be "messed with" in terms of
breakage or loss or mishandling by the vehicle's owner/operator compared
to a dash-mounted box with cord going to power socket.
3) logged OBD data can probably identify vehicle by serial number, so
there is no question that the logged data is from a specific vehicle. A
dash-mounted GPS logger might or wouldn't have this capability.
It might even be the case in some cars with built-in GPS that it is
possible to get GPS data through the OBD port. So insurance companies
wouldn't be lying if they said their dongle's were not GPS receivers.
Auto Insurance Co. Tracks Drivers by GPS & Charges Per Mile Driven
Insurance tracking device records route driven by the policyholder
March 28, 2014
A California auto insurance company is rolling out a car tracking device
which allows the company to locate policyholders by GPS and charge them
insurance rates per mile driven.
Developed by San Francisco-based MetroMile, the Metronome device plugs
into a vehicles OBD-II port and wirelessly sends mileage data to the
insurance company, which charges a base rate plus 2 to 5 cents per mile,
and can even record the route driven by the policyholder.
MetroMile also provides a smartphone app which links the policyholders
phone to the device.
Opening the app, it showed the path I had driven and recorded the
number of miles, how long it took, average fuel economy and fuel cost,
Cnet contributor Wayne Cunningham wrote in his review of the Metronome.
After driving further, I opened the app again and saw the route I
covered on a map.
The app listed each trip I took, breaking it up at each of my stops.
He also added that he could view his entire route for a specific day or
for each individual driving segment.
Now this isnt the first monitoring device released by an auto insurance
company but it is one of the first to openly employ GPS data to charge
drivers per mile driven.
Californias former Insurance Commissioner Steve Poizner green-lighted
per-mile insurance pricing back in 2009 in order to pressure drivers not
to drive as much, and no doubt insurance companies will take advantage
of the pricing to hike up auto insurance rates just as Obamacare did for
Rural drivers in particular will be especially hurt as many of them
drive long stretches of highway to get to the nearest city.
And theres also the very real risk of insurance companies abusing
captured GPS data by charging policyholders fees for going, say, one
mile over the speed limit or for driving at night.
Or, even worse, the data could be handed over to the government.
The best way to protect a consumers locational privacy is to not
collect the data in the first place, privacy watchdogs Privacy Rights
Clearinghouse and PrivacyActivism wrote on the subject. Because
insurers may collect all manner of data, all of that data will be stored
along with the actual miles data.
Data retention issues arise because now not only are we looking at the
storage of actual miles data, but of all other data that happens to be
Unfortunately, auto insurance companies are simply following a trend set
by authoritarian lawmakers who are trying to tax drivers per mile driven
with government-mandated tracking devices.
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I sent the nearest State Farm agent a letter with info requesting a quote
and a follow up email a week later through his web site. He didn't
respond to either. Other agents answered the same letter text with quotes
so that wasn't it.
I had car and house insurance with State Farm but dropped the house
insurance over their being a PITA over a small claim. Still find them
good with car insurance.
Insurance rates are set by the state you live in and vary widely from
state to state.
I have a son that is an insurance company lawyer. They don't make the
obscene profits that people think they do. Their biggest obstacle is
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