Uncover the Shocking Consequences of Car Insurance Tracking Devices!

In this video, we're discussing the risks of using car insurance tracking devices. These devices collect tons of personal information, including where you have been and what you have been doing.

We're warning you about the dangers of using these devices and the risks of selling your data to third-party companies. Make sure you understand the risks before using a car insurance tracking device, and be aware of the privacy implications of using one! Thanks for watching and subscribing.

00:00 Uncover the Shocking Consequences of Car Insurance Tracking Devices!
00:21 what are the risk of insurance saving devices
01:13 will you actually receive a discount
01:42 apps collect your data too
02:47 some people pay more
03:13 what data is collected
03:56 who decides what's a safe driver?
04:18 car accident - data used against you
04:48 Reselling your data to others
05:14 giving up your privacy

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[mjnc]

I just switched to allstate auto insurance. Immediately I started getting notices to get their app to track my driving habits in exchange for a 10% discount. Mmm, I don't think so. Sometimes we need to defensively accelerate or brake quickly. Then these actions can be used against us as dangerous driving. That's a chance I'm not willing to take.

[rochester]

Even if they give you a discount they can always raise the price of insurance

[jfpzjxg]

Lauren great information everyone appreciates your knowledge, but I would like to add just one more piece of good information for you and your viewers, The device sometimes called a dongle that your auto insurance company gives you to install into your diagnostic port of your vehicle can and in most cases due damage to your auto these insurance devices are not designed to be plugged in and left in your diagnostic port all the time. Thanks again

[Retiredmco]

Been offered those devices in the past! Said thanks but no thanks 👍

[creativeladyplus]

I just got progressive car insurance and my sister gave me her 2015 Buick Encore. I got the gadget THEN watched some you tube, and how the gadget can damage the battery, etc, YIKES . Backwards mistake. Sent the Gadget back. Will do more research on Insurance after this one Thank you for posting this, it is very helpful!

[davemiller]

Thanks for the info, Lauren - you always do a great job with this channel!

[jeffreybischoff]

My local auto mechanic/technician garage recommended not getting one these OBD2 scan dongle for insurance.
The Engine Control Unit/Module (ECU or ECM) and Transmission Control Unit/Module (TCU or TCM) with the OBD2 port are designed to engine and transmission operations, and to report codes to a mechanic/technician's OBD2 scan, on relatively short-term basis; not left in on a regular basis.

[JuanAlvarez-yrhm]

Don’t do it, I did they raise my insurance and Dr brake recording is very sensitive.

[lindap.p.]

I have State Farm with the device. I live in a neighborhood that I can only leave via a busy 55 mph highways. EVERY time I get what I call a DING for acceleration when I pull out into the traffic.
If I encounter a vehicle pulling in too close to me and I apply the brakes, I get a ding.
My insurance for autos, home and umbrella go up every year. I just received a bill that is 35% higher than it was just 3 years ago. We have zero claims, drive about 8, 000 miles a year on two cars and NEVER use the phone while the car is mobile. I am being ripped off.

[jimmybee]

You Tube Mechanic Scotty Kilmer says plugging in a Dongle to the under dash port can ruin your car computers as they are meant for short term up to a couple hours use to Diagnose a problem NOT be plugged in 24/7 sending data.

[addie]

You are a very smart woman. Thank you for this video and thank you for being so aware.

[boblamb]

My elderly buddy just did this because his insurance tripled. He has never made a claim. Drives a 2006 Honda. Now with State farm he took the 10% discount and plugged the device in to the OBD 2 port. He only drives maybe 20 miles a week. I don't see how the monitoring device could harm the car's computer unless it's programmed to alter the perimeter's of the computer. The onboard computer is running calculations many times a second while he's driving around. Something that just monitor's and reports basic data should not affect the life of the computer. If asked by my insurer Farmer's I'd pass even if they offered a discount they can retract any time they want and raise premiums over something they don't like. These companies know way to much about us already. Give the device back and say no thank you.

[erdtree_larry]

You have to think about it...why would a company go through the trouble of investing and creating this technology if the long term implications meant everyone saving 10-50% on their car insurance. The simple answer is: they wouldn't. They needed a way to justify raising drivers rates. They wrote the algorithm in a way that will find fault in the safest drivers. That defensive driving maneuver you just pulled that saved your life and everyone around you...well it just peaked the accelerometers and gave you a ding and will lead to another reason for them to raise your rate...and they don't care about the context of the situation. This is a resources extraction device, a trojan horse that comes in under the guise of safety and rate reduction...and objectively does neither. I personally don't know anyone that has one of these devices whose rates have gone down, but I'd like to see the data. I would predict(before even looking at the data) that this has been a successful endeavor for the insurance industry...increasing rates on average, and increasing profits across the board.

[hphillips]

You should trust the insurance company as much as the government which is no trust at all

[reasons]

My car insurance is currently trying to use my app data against me to deny a claim but i read my terms and conditions and luckily its specifically listed that it cannot be used to process or deny claims I’m hoping they stick to that 🙏🏿

[nickwinn]

I would never do this in a million years. If it was forced on me, stick it in another car that just sits.

[bradleys]

they also wanna know who is secretly an Uber driver...pizza delivery etc

[johnanderson]

USAA app is totally bogus. Dinged 3 times for stopping at red lights, instead of cruising on through. Dinged for checking messages while parked in a parking lot, dinged for checking an address while parked on the street, dinged for using my phone to open the garage door while parked in my driveway.

[tundahking]

I didnt even sighn up for it they just sent it in the mail.its not on my policy as a discount for being in the program so im tossing their stupid little device in the trash.

[ricknorris]

This is a brilliant strategy by SF. If their drivers follow all traffic laws they are very unlikely to be at fault in an accident. That greatly reduces the insurance payouts for at fault accidents. Since there are too many lawless drivers out there SF and others would rather not insure lawless drivers. They will eventually have every customer using these devices or they can look somewhere else for more expensive insurance.