this has never been about offering discounts. The monitoring technology is used as a statistical predictor of quarterly profits vs loss and helps drive the overall cost of insurance, not your discounts. the 15% discount, a maximum you can earn with the progressive program, is a $150 discount on a thousand dollar per year policy that still puts full-coverage insurance far outside the realm of the average 18 year old. many 18 year olds pay significantly more than this.
As a gay man having recently moved to the midwest from a major metropolitan area, I can attest that no such monitoring system will ever help me. because its illegal for me to get married, I pay more insurance despite having a 10 year clean record of driving. In my larger city I used zipcars for longer trips, purchasing their insurance when required. This constitutes, in every insurance provider ive checked, a policy increase for not having maintained insurance. thats right, i get a penalty for not consuming a product consistently enough. all this for the privilege of any event of an accident, in which ill pay the deductible out of pocket and wait for reimbursement because thats how insurance works if youd like your personal transportation out of the shop. Subrogation, the humiliating process of waiting for your expenses to be reimbursed, can take years.
do yourself a favour, if you want lower insurance drive a smaller or older automobile. something within the past 10 years isnt likely to break down with regular maintenance. It also allows you to come to grips with reality. Regardless of make model or features, driving in a car in the 21st century sucks. traffic is dismal, road etiquitte is nonexistent, your operating costs are also proportional to the vehicles pedigree, and you open the door for a world of new expenses like parking tickets, towing fees, and hungry meters. Stop waiting for some mega corporation to offer a discount for loyalty or a pittance for the invasion of your privacy.