Insurance works best when you’re part of a larger group. Avoid things like tracking devices that separate you as an individual—they usually work against you.
Driving in South Jersey means constant braking and accelerating due to traffic. A tracker will just label you as aggressive for normal driving.
Some apps track things like speed and braking, but they can’t tell if you’re the driver or a passenger. You can delete trips, but it’s still inconvenient.
These devices promise discounts but often end up costing drivers more. Some car manufacturers already collect similar data, so it’s hard to avoid entirely.
Allowing a company to monitor you is just inviting higher rates. They’ll always find something to use against you.
These devices only make sense if you rarely drive.
Don’t do it.
Never keep anything plugged into your car’s OBD2 port long-term. It’s meant for diagnostics, not constant use.
Cortland said:
Never keep anything plugged into your car’s OBD2 port long-term. It’s meant for diagnostics, not constant use.
Most of these devices just track GPS and speed, but some apps also monitor phone usage while driving.