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krzyzowiec 7 points ago +8 / -1

It’s both. Obviously it violates your privacy, but if you think about it, the only metric an insurance company can use to rate you as a client is your history of being in an accident. This allows them to distinguish you further, which means they can have more trust in you, and the lower risk you are, the less they need to charge you to make a profit.

I think it’s a trade off. I’d rather pay more to avoid a tracking device in my car, but that’s me.

MakeAmericaGreat9 2 points ago +3 / -1

I’d rather pay more to avoid a tracking device in my car, but that’s me.

I'm not here to argue with you, or attack you, but you're wrong (assuming you carry a smart phone). As long as you have your smart phone with you, your every movement is already tracked, wtf is the difference?

krzyzowiec 2 points ago +2 / -0

It doesn't work that way. If you are tracked while not engaged with a satellite using GPS, then it will be through the cellular radio, which is only responding to the closest available tower. It's not nearly as specific as putting a tracking device in your car.

Second, I can just leave my phone at home or put it in a faraday bag. Carrying it is not mandatory and I often don't (I'm not someone who feels the need to respond to every phone call immediately). I'm assuming if you mess with their tracking device or try to disable it periodically, that will affect whether you save money, but I don't really know how their system works.

deleted 1 point ago +1 / -0
rosie 1 point ago +1 / -0

I'd be interested to know the exact mechanism that is used to track a deg00gled smart phone that has location turned off. Yes, the phone pings towers, but what information does it provide to the tower? And how often?