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Comment Re:They're tracking me they're tracking me OMFG!! (Score 1) 567

You'll find it's incredibly difficult to blame an accident on speed alone. Unreasonable speed, yes, but you can't say driving 80 in a 65 is unsafe on rural, Ohio freeway but driving 80 in an 80 on a rural, Texas freeway is unsafe. Nearly always it's other factors - primarily, following too closely - which actually cause the crash. Shit I'd be willing to bet there are more $500+ accidents (level at which police are called) during rush hour, bumper-to-bumper traffic than in conditions which 80 mph is safe.

Comment Re:They're tracking me they're tracking me OMFG!! (Score 1) 567

You mean will I pay more if I'm in an at-fault accident, regardless of speed? Absolutely. I don't see how that's any different than not allowing Progressive to monitor my habits; I've had the 30% discount since the program was on Beta and knock-on-wood, no claims so far. If I am in a claim, and my rates skyrocket to the baseline+accident level, then I will shop around.

Furthermore, I don't have the device in my car anymore. It was about 6 months, in which they monitored my driving habits. They seemed satisfied with the data, and requested the device back. I still have the 30%, and I am no longer being monitored. If they require me to put it back in - why the fuck not, I don't alter my driving habits. I save $20 a month so they can record enough data to show that I don't, essentially, ever make sudden stops or drive at 2AM during closing time.

Again - not biting on the slippery slope argument, THEYRE SHARING MY DATAS WITH EVERYBODY!!!! bollocks. They can be legally required to give it, but in the agreement I linked to it clearly says their policies.

Based on what I observe, they're smart for doing it, even if it means the rates for those who don't opt-in go up. I see too many people on freeways who are oblivious to what they're doing. People tinkering on phones. People who follow too closely out of habit, not out of aggressiveness. Every traffic flow mathematical model shows that leaving space in front rewards both the driver and the crowd around him - I'm taking my reward for being the good seed. Everybody else, let their rates go up.

Comment Re:They're tracking me they're tracking me OMFG!! (Score 1) 567

Yes. Just like the evil government putting fluoride in their water just so they can lace it with mind control drugs and cyanide when the time comes.

Sorry - Slashdot LOVES its slippery slopes, especially when it means they can bust out the aluminum foil caps and raise their pitchforks in anti-government/corporation/religion/etc. fever - but not today, troll.

Comment They're tracking me they're tracking me OMFG!! (Score 3, Insightful) 567

OK. Enough of the FUD; I use Progressive and I got the 30% discount.

I drive, on average, 10-15 MPH above the posted speed limit. But I leave - minimally - 2 seconds of stopping time in front of me. I'm more likely to merge going 65mph in a 60mph than 55mph, unlike many other drivers - it vastly helps traffic flow when you merge going at the same ambient speed as other drivers. Definitely not a leadfoot. Just observant.

They track when you drive, and number of "hard" stops. I had the beeper go off ONCE - when I was cut off by a driver. People will have sudden stops - deer crossings, other drivers. One or two isn't an automatic penalty. I was with another driver, and he had THREE "beeps" while stopping. Reason is he tailgates during normal driving. If the car in front slams on the brakes, he does too. It just measures the delta D over delta T, and if the ratio is too large, it determines it was a "hard stop". Like I said - you are allotted a certain number of these based on normal driving procedures.

The other part of the discount comes from when you drive - I had a second job during second shift, and drove back during the "cautionary" zone more nearly 3 times a week. I still got full discount.

Before everybody goes SCREAMING about how they're getting reamed a new asshole because Insurance Company X will know if they've gone 1.5 mph over the posted limit, settle the fuck down.

How about this? What about a sensor in front of the car, measuring current speed and distance to car in front? If you spend 0-5% of the time within 2 second stopping distance, you get 0 discount; all the way up to 90-100% of the time getting a (max) discount. That's about what the Snapshot was measuring. Jesus Christ the sky is falling!!!

Relevant link from Progressive

Comment Re:Obsolete Humans (Score 1) 165

You're spot on there.

I'm sure there's the correlation between elimination of (relatively) decent-waged manufacturing jobs and the increasing number of people who work two jobs, two income households, etc is an anomaly.

What happens to our consumer driven economy when a large swatch of consumers can't afford to consume?

Comment Made me miss the old Slashdot (Score 4, Insightful) 259

It seems we've lost a lot of quality in the comment fields in the last 10 years. Lots of expertise modded up carefully; now we seemingly have opinion-pieces moderated up by whichever group happens to be awake at the time, and the real expertise is hidden in the +2 or below.

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