How do car insurance companies spy?

Message Author
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Wed Sep 18, 2013 6:51 am   Post subject: How do car insurance companies spy?  

I’ve heard that nowadays more and more people are allowing their carriers to spy on them. They say it helps reduce the premiums and to do that I just need to plug-in a snapshot device into my car. Should I do that? Could they breach my privacy with that? I’m a bit skeptical and scary after all the things regarding NSA got revealed. Would it really save me some bucks?

Register Now to have your Insurance queries solved.

PostPosted: Wed Sep 18, 2013 8:56 am   Post subject:   

Could they breach my privacy with that?
Absolutely! Those devices are directly connected to the NSA spy satellites in orbit over the US. They'll hear everything you say over your cell phone that you aren't supposed to be holding in your hand while driving. Or capture all the text messages you send. It's amazing how the insurance companies are in cahoots with the government these days -- they get a big break on their taxes for doing it.

LOL. Rolling Eyes


CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
Forum Expert
Leave a quick message

Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.61 Dollars($)

PostPosted: Thu Sep 19, 2013 5:03 am   Post subject:   

Hi Steve!

Please overlook the above response by Max...

Should I do that?

You might! These days, auto insurers are just interested in knowing how you drive, how much you drive and when you drive.

To do so they just send you a device that you need to plug into your car’s onboard diagnostic port. Usually, it is situated below the steering column. The device simply records data on your mileage and driving habits and sends them to your insurance company.

There are many such programs like Progressive’s Snapshot, State Farm’s Drive Safe & Save, and Allstate’s Drivewise that use your auto’s OnStar, In-Drive or Sync communication system to collect your driving information.

Could they breach my privacy with that?

Most of the carriers assure that your driving data is safe from prying eyes. However, law enforcement department could certainly have your data, and the information could be sought as part of a civil lawsuit.

Would it really save me some bucks?

See, discounts vary from person to person and state to state. While State Farm promises a discount of up to 50%, with Allstate’s Drivewise program, you’ll get a 10% discount when you begin, but the full discount won’t start until your policy renews.

Now, the Insurance Institute for Highway Safety (IIHS) too asks for speed alert devices, which gives you visual or audible alerts while driving...

Despite the privacy concerns, according to some industry experts 20% of consumers will have usage-based insurance within the next five years, according to the National Association of Insurance Commissioners. See here:


Owning a home is a keystone of wealth - both financial affluence and emotional security. ~ Suze Orman
Senior member
Leave a quick message


Joined: 12 Mar 2013
Posts: 270

Location: Sacramento, CA
61.23 Dollars($)

All times are GMT
Page 1 of 1

Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See


Hot topics in forums

Latest in blogs

    Connection Error: Connection refused