More Upsides to Zero Privacy: GPS Tracking for Cheaper Insurance
A couple of weeks ago, Senior Editor Jacob Sullum explained "How GPS Tracking Threatens Privacy":
The case decided [by the Supreme Count] this week involved Antoine Jones, a Washington, D.C., nightclub owner who was convicted of cocaine trafficking in 2008 and sentenced to life in prison based largely on information that investigators obtained by surreptitiously attaching a GPS tracking device to his Jeep Grand Cherokee. All nine justices agreed that a warrant was constitutionally required for this surveillance.
But what about situations where users give permission to slap a GPS on thier cars to monitor their driving habits in exchange for cheaper insurance?
Welcome to installment #4,762 of the Upsides of Zero Privacy series.
The service would provide users with cheaper quotes, but prices could be pushed up if driver logs show recklessness or dangerous driving….
Drivers on the scheme will be given a TomTom PRO 3100 as part of the package, and the device will include Active Driver Feedback and LIVE Services to warn drivers when they were cornering too sharply or braking too hard.
The TomTom will also have a LINK tracking unit fitted in their vehicles, allowing driver behaviour and habits to be monitored.
This particular deal is taking place in the U.K., where group profiling to set insurance prices—charging more for men than women, for instance—is now verboten. (Similar developments are underway in the U.S.)
Via BoingBoing
Editor's Note: As of February 29, 2024, commenting privileges on reason.com posts are limited to Reason Plus subscribers. Past commenters are grandfathered in for a temporary period. Subscribe here to preserve your ability to comment. Your Reason Plus subscription also gives you an ad-free version of reason.com, along with full access to the digital edition and archives of Reason magazine. We request that comments be civil and on-topic. We do not moderate or assume any responsibility for comments, which are owned by the readers who post them. Comments do not represent the views of reason.com or Reason Foundation. We reserve the right to delete any comment and ban commenters for any reason at any time. Comments may only be edited within 5 minutes of posting. Report abuses.
Please
to post comments
I swear I saw something from Progressive where you plug something into your ODB-II reader for 30 days and get rate quote adjustments based on driving.
Yeah, I have one. I never put it on my car though just because I'm lazy. I never took it out of the box.
right, like I'm gonna let some nanny-state insurance company monitor my driving and give me jacked-up rates if I don't drive slow enough to please them.
fuck them.
looking for the bilover?===Datebi*cO'm=== is a site for bisexual and bicurious singles and friends.Here you can find hundreds of thousands of open-minded singles & couples looking to explore their bisexuality.sign up for free.
"The service would provide non-users with cheapermore expensive quotes...."
Ftfy
oh great, as if there arent enough old folks & minivans driving slow
Fuck them. I don't care how much they charge me I am not doing that.
This all seems so ineffective. Do insurers really believe that a guy who drives 75 in a 70 but has a clean record is more dangerous than the guy who drives 68 in a 70 but has a driving record that reads like an indictment list for a perp on Law and Order?
Yes, not only that, we'll raise all of our rates to pay for the additional data processing that the GPS tracking will require.
Oh Jessica, you are so hot. You disappoint me.
Well, they don't really specify the criteria for judging. So driving fast but unerratically might be considered safe, as it should be.
I thought it was so people who drive less get lower insurance.
Progressive Insurance has been promoting that deal where they install a little tracker to monitor your driving habits. If you're safe enough, you get a discount.
But what's the metric for determination of the discount?
You don't drive 50 miles a day, you don't brake suddenly, you don't accelerate suddenly. Things like that.
Total mileage I can see. Like people who claim 3000 miles a year on their vehicle but drive 15k. But braking and accelerating suddenly? If this device is anything like my Garmin 260's metric for 'green' driving, the people who use this are fucked.
The Progressive thing can only rely on signals from your car's computer. I think the computer only knows if you've braked suddenly if the ABS kicks in or something.
This wouldn't be as troubling if it weren't for the fact that the "third party doctrine" means you've waived whatever 4th Amendment privilege you had regarding the recent spate of GPS tracking by cops.
THIS
The courts saying you have waived your 4th amendment rights, despite you not explicitly saying you are OK with that, means the courts have violated your rights. It doesn't mean you've waived a damn thing.
The constitution does not mean whatever the hell some judge decides it means.
I don't mind the tracking for cheaper insurance thing but fuck everything about this. If this ever becomes mandatory I'm buying a motorbike.
This kind of crap will inevitably lead to less safe driving akin to red light and speed cameras.
I better not make too evasive a maneuver around this deer kid in the roa... d'oh!
This.
Yes, also this.
One company where I worked installed those goddamned annoying driving monitors on the pickups. It would go off if you braked too hard. Yeah, because I'm not gonna hit the brakes when some jackass pulls out in front of me. Plus, it went off if you tried to drive over 70. When you're driving to rig sites all over hell-and-gone in Texas, that's just a shitty idea.
Lived in San Antonio for a long time. From there it's more than four hours to get out of the state the short way, if you go the speed limit and traffic cooperates. More than ten the long way.
The old saw runs "The sun is ris, the sun is set, and here I is, in Texas yet." It should, of course, be uttered with a drawl.
I read it with a drawl. But I read everything with an accent.
The old joke in Houston: Guy gets pulled over by a cop for obstructing traffic in the left lane of I-45 by driving below the speed of traffic. Guy says, "but officer, I was goin' 80." Cop says, "Ok, I'll write you a ticket for that, too."
I don't understand the photo. Why is it a fail? Perhaps I'm just dumb today, but I don't see it.
I lucked out on my vehicle not having a data recorder. I also disabled the airbags (ripped them out to save weight), the always on headlights, and the stupid seat belt warning. I just closed the seat belt circuit so the car thinks the seat belts are always clicked in. God damn that noise was annoying.
Always on headlights help on coming traffic know you are heading right for them.
Really helps when attempting to pass on two lane roads.
Takes the guess work out of other car's direction of travel
Sounds like a pretty cool idea dude, I mean like seriously.
http://www.anon-pc-tools.tk
A very informative information...Its really a great and useful tips. Thank you for sharing this up.
buy in here
It is interesting that the company that is pushing this is named "Progressive". Does anyone else notice that the majority of the nanny-state proposals we see are by people who call themselves "progressive"? And that "progressives" hate it when individuals do group profiling for reasons that they disapprove of (e.g., advertising for certain types of room-mates), but have no problem using it to get other people to pay reparations to "injured" groups?
And, when the unenlightened disagree with them, progressives have no problem declaring such people "deniers", and suggesting that they should seek professional intervention to correct their un-good thoughts.
They sound very much like most of the totalitarian governments of the last century...
Great Blog for the GPS Tracking devices. The information at this site is very good and nice to knowledge.
Thanks for sharing!!!