Full disclosure: I work part-time at a State Farm office, but I gain nothing whatsoever by telling you about this, so please don't think I'm advertising. I'm genuinely curious what people here think about this.
If you don't know what I'm talking about, this is it: http://www.in-drive.com/sf
You can read more of the details on the website, but the basic idea is that they give you an OBD II device that monitors how you drive and sends the data to State Farm. You get an initial 10% discount just for being in the program, and then you can get even more of a discount depending on how they grade you as a driver. EDIT: I found this chart showing discounts you can expect to earn based on mileage and driving style: http://www.statefarm.com/insurance/...ve/illinois/drive-safe-save-inDrive-table.asp
This seems to be for Illinois only at the moment. The most basic In-Drive plan here is $24 every six months if you have a smartphone and $36 if you don't. (If you do, you use your own data plan to send the data to State Farm; otherwise the device itself uses some cellular service.)
I'm wary of anybody monitoring my driving, but the initial 10% discount alone is enough to cover the In-Drive cost and still take another $20 off my bill every six months. Any additional discount from safe driving is even better.
Supposedly there's no way your premium will go up by being in the program, but you have to wonder if they'd cancel you out if you're an "unsafe" driver. I'm not too concerned since I drive nicely anyway, but it's still something to consider.
What do you think about it? Would you do it? Etc.
If you don't know what I'm talking about, this is it: http://www.in-drive.com/sf
You can read more of the details on the website, but the basic idea is that they give you an OBD II device that monitors how you drive and sends the data to State Farm. You get an initial 10% discount just for being in the program, and then you can get even more of a discount depending on how they grade you as a driver. EDIT: I found this chart showing discounts you can expect to earn based on mileage and driving style: http://www.statefarm.com/insurance/...ve/illinois/drive-safe-save-inDrive-table.asp
This seems to be for Illinois only at the moment. The most basic In-Drive plan here is $24 every six months if you have a smartphone and $36 if you don't. (If you do, you use your own data plan to send the data to State Farm; otherwise the device itself uses some cellular service.)
I'm wary of anybody monitoring my driving, but the initial 10% discount alone is enough to cover the In-Drive cost and still take another $20 off my bill every six months. Any additional discount from safe driving is even better.
Supposedly there's no way your premium will go up by being in the program, but you have to wonder if they'd cancel you out if you're an "unsafe" driver. I'm not too concerned since I drive nicely anyway, but it's still something to consider.
What do you think about it? Would you do it? Etc.
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