Driver app for insurance

Rob_EV wrote: ↑ I ran the tracking app for 6 months and ended up with a permanent 24% discount based on gentle acceleration and braking. I was able to select whether I was a driver or passenger (being a passenger doesn't count towards your score). Not sure how your particular app works?

dasvedania wrote: ↑ How they verify it and give you discount, you could claim you car pool with coworker and dang you get 50% discount or you could claim you are driver while on a bus, most gentle driving ever.

Is your said 24% discount from what the insurer claimed premium or from other insurer's lowest price.

napoleonbot wrote: ↑ I got a quote from all state Insurance company, the rate is lower than my current rate, but has to be on their drive wise app otherwise it is higher than the current insurer, Johnson Johnson

Here is something I don't understand, the app or my phone can never tell if my driving is good or no. the devise and app can only track acceleration and speed ( by extrapolation two GPS points) quite loosely.
But absolutely nothing in road traffic condition can be tracked, I can do certain thing absolutely safe in certain car and situation, while is quite abruptly in another situation. They don't even know I am driving with the phone or power off the phone.

I think it is the sales tactic that they will always later raise my insurance all the way to a higher level, and claiming it is my fault.

Can someone share your experience?

And technically if an APP is actively tracking position and acceleration etc all time, the phone should use more battery and data flow much faster.
after the insurance app installed, do you feel your phone is actually tracking your driving?

dasvedania wrote: ↑ May I ask you your premium and city?
Both CD and robev are real appreciated.