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by SoftTalker
1092 days ago
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IDK. I've declined the tracking with State Farm, and I drive pretty conservatively. I might speed by 5mph or so but I really try to watch traffic and minimize my need to accelerate/brake as it does result in better fuel economy (and saves wear on the brakes). The MPG on my cars absolutely drops by 2-3 MPG when my kids are driving. I just reject the tracking on principle. There's too much incentive for the companies to monitize this data once they have it, and most of us know that really anonymizing data can be quite difficult. |
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But it's not hard to see how nearly 100% of people who drive recklessly would avoid such programs, but less than 100% of good drivers would.
The statistical skew makes sense to me. I doubt that insurance companies are assuming that every driver who doesn't take part in such program are bad drivers, but insurance is purely a game of statistics.