If a car pulls out in front of you suddenly requiring you to slam on your brakes to avoid a collision, that sudden braking is recording, but the context for it is not. The insurance company only sees a driver that’s slamming on their brakes, which makes them higher risk in their eyes.
You’re making the mistake of microfocusing on a specific anecdote. They can account for that in the big picture. Good and bad drivers will both brake suddenly in a situation like that. Only bad drivers are braking suddenly because they’re following too closely or not paying attention.
I live in an area with a lot of aggressive and shitty drivers. I would trigger any number of negative statistics several times a day thanks to it just being how it is to drive around here. But I have an old ‘11 car that doesn’t tattle on me, so it isn’t a problem.
Living in an area with a lot of shitty drivers would put you at high risk for a collision, which is also a valid reason to raise your rates. Thing is, insurance companies typically assume youre a bad driver, or at least a mediocre driver. They calculate your risk based on what they know. If you show them you’re a good driver they’ll give you a discount.
Only costing you money if you’re a bad driver.
If a car pulls out in front of you suddenly requiring you to slam on your brakes to avoid a collision, that sudden braking is recording, but the context for it is not. The insurance company only sees a driver that’s slamming on their brakes, which makes them higher risk in their eyes.
Even good drivers are affected.
You’re making the mistake of microfocusing on a specific anecdote. They can account for that in the big picture. Good and bad drivers will both brake suddenly in a situation like that. Only bad drivers are braking suddenly because they’re following too closely or not paying attention.
Personally I would never assume a for-profit insurance company would ever not take the chance to raise rates and lower risk, but that’s just me.
I didn’t assume, I just tried it. After I did my insurance went down ~$50/mo
Did you save 15% in 15 minutes with the green gecko?
No it was Allstate
I live in an area with a lot of aggressive and shitty drivers. I would trigger any number of negative statistics several times a day thanks to it just being how it is to drive around here. But I have an old ‘11 car that doesn’t tattle on me, so it isn’t a problem.
Living in an area with a lot of shitty drivers would put you at high risk for a collision, which is also a valid reason to raise your rates. Thing is, insurance companies typically assume youre a bad driver, or at least a mediocre driver. They calculate your risk based on what they know. If you show them you’re a good driver they’ll give you a discount.
The “good driver discount” is laughable at best.
No, because you learn how to drive and avoid shitty drivers. Hard braking is part of it.
So slow braking is more dangerous?
Are you deliberately being dense?
Get back to me when you figure out how to ask your questions without personal insults