I have a gadget from my insurance company that plugs in under my dash to monitor how many miles I drive per week, as well as my driving performance. It negatively views hard braking, fast accelerations, and driving between midnight and 4 AM. I am currently averaging zero fast accelerations and late night drives per week (I've never had even one of either), but I do have 0.25 hard brakes per week. However, that is still excellent, as the thing is so strict, most people commuting are going to rack up at least several per week, and potentially, multiple times in one particularly bad day.
I live across the street from where I work and have no commute, thus averaging only 65.4 miles per week currently, in other words, 3400 miles per year. AFAIK, I have the maximum discount available, 30%, and while this is the perfect product for me, I don't recommend it to others, unless they happen to be, for instance, a retired, sedate, safe, not easily annoyed driver. I've read online that the hard braking limit is 7 MPH/sec, and while I've trained myself to avoid them, I don't think the majority of people may be able to or even inclined to do so (the device screeches at you when it dings you, so you have immediate, negative, and potentially annoying feedback). I obviously also drive far less miles per week than the average person does.
Does your gadget let you download or otherwise access the day-to-day data? I wonder if the insurance company just collects the data and sits on it, or if they actually do any analysis for you.
I used Automatic's OBD2 device for years, it would capture gas mileage + cost for every trip without me having to do anything. Sadly the were acquired by Sirius and shut down...
I have a gadget from my insurance company that plugs in under my dash to monitor how many miles I drive per week, as well as my driving performance. It negatively views hard braking, fast accelerations, and driving between midnight and 4 AM. I am currently averaging zero fast accelerations and late night drives per week (I've never had even one of either), but I do have 0.25 hard brakes per week. However, that is still excellent, as the thing is so strict, most people commuting are going to rack up at least several per week, and potentially, multiple times in one particularly bad day.
I live across the street from where I work and have no commute, thus averaging only 65.4 miles per week currently, in other words, 3400 miles per year. AFAIK, I have the maximum discount available, 30%, and while this is the perfect product for me, I don't recommend it to others, unless they happen to be, for instance, a retired, sedate, safe, not easily annoyed driver. I've read online that the hard braking limit is 7 MPH/sec, and while I've trained myself to avoid them, I don't think the majority of people may be able to or even inclined to do so (the device screeches at you when it dings you, so you have immediate, negative, and potentially annoying feedback). I obviously also drive far less miles per week than the average person does.
Does your gadget let you download or otherwise access the day-to-day data? I wonder if the insurance company just collects the data and sits on it, or if they actually do any analysis for you.
Yes, it's all available online, every trip on every date, miles driven, hours and seconds per trip, and number of negative occurrences per trip.
Although, I don't know if you could actually download it to Excel or anything - it is simply available to view.
I used Automatic's OBD2 device for years, it would capture gas mileage + cost for every trip without me having to do anything. Sadly the were acquired by Sirius and shut down...