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This Gizmo Will Rat On You, and People Love It.
The Truth About Cars ^ | 07/09/2012 | Bertel Schmitt

Posted on 07/09/2012 10:26:36 AM PDT by nascarnation

Privacy is highly valued – until we can sell it for a small discount. Hundreds of thousands of auto insurance customers allowed an electronic ankle bracelet fitted to their car in exchange for a possible insurance discount. A year ago, Progressive offered its “”Snapshot“ device. It plugs into your car’s OBD system keeps and collects data that help Progressive to profile your driving. According to Reuters, Progressive already analyzed more than 5 billion driven miles. The company says its driving-behavior data is twice as good as any other factor in predicting risk, and that bad drivers cost Progressive more than twice as much as good ones.

(Excerpt) Read more at thetruthaboutcars.com ...


TOPICS: Business/Economy; Miscellaneous; Reference; Society
KEYWORDS: automobiles; beseeingyou; bigbrother; insurance; microchips; orwelliannightmare; progressive
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Flo knows.....
1 posted on 07/09/2012 10:26:40 AM PDT by nascarnation
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To: nascarnation

“Progressive” Insurance. The name matches the Big Brother tendencies.


2 posted on 07/09/2012 10:28:31 AM PDT by Pecos ("We hold these truths to be self-evident ..... ")
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To: nascarnation

Flo will never know about me.


3 posted on 07/09/2012 10:28:35 AM PDT by bgill
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To: nascarnation

George Soros owns Progressive and Geico. That’s all you need to know right there.


4 posted on 07/09/2012 10:29:40 AM PDT by MeganC (January 20, 2013: The End of an Error)
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To: MeganC

Peter Lucas owns Progressive and Buffet owns Geico.......but Lucas is a huge DimRat supporter....that why I switched to Farm Bureau and saved money....


5 posted on 07/09/2012 10:33:59 AM PDT by Hogblog
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To: nascarnation

That is one thick woman, Flo is.


6 posted on 07/09/2012 10:35:18 AM PDT by Cletus.D.Yokel (Catastrophic Anthropogenic Climate Alterations - The acronym explains the science.)
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To: Hogblog

USAA Enough said!


7 posted on 07/09/2012 10:35:34 AM PDT by occamrzr06
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To: nascarnation

So, what behavior is “good” and what “bad”?


8 posted on 07/09/2012 10:35:51 AM PDT by Paladin2
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To: nascarnation

I have a patent-pending ankle bracelet for swimming in fast-moving streams or places with a strong tide. It allows you to quickly attach a boat anchor so you won’t be swept away. Several of our testers have been found right where they were last seen, so it works. I’m currently seeking investors if anyone is interested.


9 posted on 07/09/2012 10:38:01 AM PDT by USMCPOP (Father of LCpl. Karl Linn, KIA 1/26/2005 Al Haqlaniyah, Iraq)
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To: nascarnation
In 44 years of driving I've had one at fault accident (a minor one,42 years ago) and have *never* gotten a ticket for a moving violation...but have gotten my share of parking tickets. ;-)

Folks like me should pay rock bottom rates even without this gizmo.

10 posted on 07/09/2012 10:38:39 AM PDT by Gay State Conservative
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To: MeganC
George Soros owns Progressive and Geico. That’s all you need to know right there.

Berkshire Hathaway owns Geico. Progressive is a public company. Anybody can buy stock in either one.

11 posted on 07/09/2012 10:38:49 AM PDT by Moonman62 (The US has become a government with a country, rather than a country with a government.)
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To: Paladin2

Only Flo knows, LOL.

I’m sure they have algorithms which analyze acceleration rate, braking rate, throttle %, etc

The trucking fleets are all using similar strategy.


12 posted on 07/09/2012 10:39:55 AM PDT by nascarnation
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To: nascarnation

I never trusted her.

I imagine it has some kind of accelerometer device that activates itself after a rapid start or stop.


13 posted on 07/09/2012 10:41:29 AM PDT by smokingfrog ( sleep with one eye open (<o> ---)
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To: Hogblog

Geico used to be Government Employees Insurance Co. Or so I’m told.


14 posted on 07/09/2012 10:41:41 AM PDT by TheRhinelander
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To: nascarnation

http://policeledintelligence.com/2011/11/16/snapshot-progressive-and-privacy/


15 posted on 07/09/2012 10:43:06 AM PDT by Paladin2
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To: nascarnation
Flo is a useful idiot.

Progressive is run by a commie.

16 posted on 07/09/2012 10:43:50 AM PDT by Paladin2
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To: nascarnation

We use Safeco, they have been good to us, no issues and they are fair on their prices.


17 posted on 07/09/2012 10:44:38 AM PDT by Irenic (The pencil sharpener and Elmer's glue is put away-- we've lost the red wheel barrow)
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To: smokingfrog
It's reading your OBD data from the data connector under the dash.
18 posted on 07/09/2012 10:44:50 AM PDT by nascarnation
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To: TheRhinelander

GEICO hated radar detectors.


19 posted on 07/09/2012 10:46:59 AM PDT by Paladin2
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To: nascarnation

Does it send real time data to Progressive (how?) or does it just record data that they retrieve later?


20 posted on 07/09/2012 10:47:16 AM PDT by smokingfrog ( sleep with one eye open (<o> ---)
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To: nascarnation

Hundreds of thousands fell for Flo’s Snapshot BS??

Small wonder this country’s in yrouble.


21 posted on 07/09/2012 10:48:33 AM PDT by MichaelCorleone ('We the People' can and will take this country back...starting today.)
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To: nascarnation

High deceleration is consistent with a collision.


22 posted on 07/09/2012 10:48:43 AM PDT by Paladin2
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To: TheRhinelander

I thought it was General Electric Geico.


23 posted on 07/09/2012 10:50:45 AM PDT by brivette
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To: nascarnation
This Gizmo Will Rat On You, and People Love It.

"Gizmo KAKA!!!"

24 posted on 07/09/2012 10:51:34 AM PDT by dfwgator (FUJR (not you, Jim))
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To: nascarnation

Most dangerous situations I am seeing on the road these days involve vehicles moving forward while the driver’s head is turned away at a 90 degree angle, or drivers of moving vehicles with their heads down buried in food.

Flo’s little snapshot device ain’t gonna do nothing about either of those.


25 posted on 07/09/2012 10:51:49 AM PDT by Buckeye McFrog
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To: MichaelCorleone

yrouble - sb ‘trouble’


26 posted on 07/09/2012 10:51:49 AM PDT by MichaelCorleone ('We the People' can and will take this country back...starting today.)
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To: Pecos

I’ve read they donate Democrat big-time.

Switched my 4-wheeler coverage to another company even though it cost me an extra twenty-five bucks.


27 posted on 07/09/2012 10:54:25 AM PDT by Fightin Whitey
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To: USMCPOP

LOL...I don’t care who you are, that’s funny!


28 posted on 07/09/2012 10:57:02 AM PDT by rlmorel ("The safest road to Hell is the gradual one." Screwtape (C.S. Lewis))
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To: nascarnation

I like the idea .... it would simplify apprehension of car thieves before they crash or strip the car.


29 posted on 07/09/2012 10:58:27 AM PDT by layman (Card Carrying Infidel)
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To: Paladin2

Or at least collision avoidance late in the game. If you’re regularly needing to jam on your brakes to not get in accidents then the insurance company figures you’re probably not paying enough attention and missing other opportunities to avoid collision less “abruptly”, which means eventually you’re going to be too late, so your rates go up because they “know” you’re getting in an accident soon.

Insurance is all about playing the odds, the more of your behavior they know the more they know about your odds, the more they can charge accordingly. If you’re a nice boring safe driver like my grandfather was it’s the system for you, if you’re emotionally incapable of not speeding when you get behind the wheel like me...


30 posted on 07/09/2012 10:59:17 AM PDT by discostu (Welcome back my friends to the show that never ends.)
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To: Buckeye McFrog

Most dangerous situations I am seeing on the road these days involve vehicles moving forward while the driver’s head is turned away at a 90 degree angle, or drivers of moving vehicles with their heads down buried in food.
__________________

Here’s a solution; a device that notes where the eyes are focused and whether the hands are indeed on steering wheel. Something like a tactile sensor for the wheel, and a micro-camera to determine eye position. This is just an idea, off-the-cuff.

The first time it notices a driver not paying attention, a gentle chime and reminder to watch the road.

The second time, a mild electric shock, rigged through the driver’s seat.

Third time, it takes control of the steering, moves the vehicle to the side of the road, decelerates, stops, locks the doors/windows, shuts off the motor, and sends an electric current to detonate the five pounds of C4 in the dashboard.

Problem? Solution.

Cheers!


31 posted on 07/09/2012 11:00:43 AM PDT by AnAmericanAbroad (It's all bread and circuses for the future prey of the Morlocks.)
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To: nascarnation

*squirrel Jail*

32 posted on 07/09/2012 11:02:35 AM PDT by Liberty Valance (Keep a simple manner for a happy life :o)
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To: nascarnation

Definitely not good for people who work nights. It seems Progressive thinks only people who work 9-5, M-F are the only “good” drivers. The thing clicks up “bad” if you’re driving after midnight (according to the comments in the linked story).


33 posted on 07/09/2012 11:02:53 AM PDT by jeffc (Welcome to the United Socialist States of America)
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To: nascarnation

I switched to Erie Insurance Company. Saved me hundreds of dollars a year. My BIL is a rep and I never wanted to do business with family but he came through. Saved me a ton of dough


34 posted on 07/09/2012 11:02:53 AM PDT by halfright (FAST & FURIOUS! DON'T ALLOW THEM TO DIVERT YOUR ATTENTION.)
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To: discostu

http://www.youtube.com/watch?v=x_wLVCLPx0M


35 posted on 07/09/2012 11:04:37 AM PDT by Paladin2
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To: Hogblog

Peter LEWIS owns Progressive Insurance. He is known to be a communist.


36 posted on 07/09/2012 11:07:11 AM PDT by SatinDoll
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To: MichaelCorleone
MichaelCorleone said: "Hundreds of thousands fell for Flo’s Snapshot BS??"

If the claims about the correlation between "Snapshot data" and cost of issuing policies is true (that is, that "unsafe" drivers cost 2.5 times as much as others), then it is not "BS".

While I oppose any mandates from government to track my behavior or travel, I have no concern with private companies attempting to make the insurance industry more competitive.

I buy insurance to protect myself from unforseeable incidents which could damage me financially. I shouldn't have to pay twice as much as necessary if it is possible to forsee that I have less likelihood of getting into an accident.

37 posted on 07/09/2012 11:07:53 AM PDT by William Tell
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To: jeffc

No matter how good a driver you are, if you spend much road time when the bars are closing you are at high risk.


38 posted on 07/09/2012 11:15:26 AM PDT by null and void (Day 1265 of our ObamaVacation from reality - Heroes aren't made Frank, they're cornered...)
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To: discostu

Most vehicles have trouble reaching 1g braking decelerations. Collision decels can to to ~ 50 g’s


39 posted on 07/09/2012 11:27:16 AM PDT by Paladin2
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To: Paladin2

They’re not looking for the 50g’s, that’s an accident, they’re going to hear about that. They’re looking for the 1g’s, almost an accident, you don’t tell them about that, but the more often it happens the more likely the 50g’s. That’s why your rates go up when you get a ticket, it shows risky behavior. This is just pulling more consistent data, high speeds, jammed on brakes, late driving, lots of steering (generally means you’re drunk or tired), stuff that increases your chances of getting in an accident. The risk factors are well documented, the telltales are well known, that’s what they’re recording.


40 posted on 07/09/2012 11:34:29 AM PDT by discostu (Welcome back my friends to the show that never ends.)
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To: William Tell

“While I oppose any mandates from government to track my behavior or travel, I have no concern with private companies attempting to make the insurance industry more competitive”

I don’t think anyone’s against competition, at least not on this website.

But do you have a concern with private companies tracking your behavior and travel habits (of which said information can easily be sold to anyone, including marketing companies, political rivals; even the government itself)?


41 posted on 07/09/2012 11:35:38 AM PDT by MichaelCorleone ('We the People' can and will take this country back...starting today.)
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To: Pecos

It’s intentional.


42 posted on 07/09/2012 11:38:15 AM PDT by DuncanWaring (The Lord uses the good ones; the bad ones use the Lord.)
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To: Paladin2
GEICO hated radar detectors.

The information that came to light in the late '70s about GEICO donating radar guns to law-enforcement agencies probably helped sell more radar detectors than the little green guy would care to admit.

43 posted on 07/09/2012 11:39:54 AM PDT by Charles Martel (Endeavor to persevere...)
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To: smokingfrog
Does it send real time data to Progressive (how?) or does it just record data that they retrieve later?

I have a device that attaches to the OBD II port as does this "Progressive" gizmo.My thing can be set to record up to five different parameters at one second intervals.I have mine set to record speed,engine RPM,manifold intake temp,battery charge and another thing I can't recall.Mine must be removed periodically and be connected to a PC to view the data...it doesn't transmit any info.My hunch is that the "Progressive" gizmo records the same kind of data and that it,too,must be removed and hooked up to a computer.

44 posted on 07/09/2012 11:50:54 AM PDT by Gay State Conservative
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To: Paladin2
So, what behavior is “good” and what “bad”?

Good = makes Flo money

Bad = costs Flo money

45 posted on 07/09/2012 11:52:30 AM PDT by Vroomfondel
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To: discostu

There are “smart toilets” that can analyze your biowaste.

When can we expect to be “tax penalized” if we do not have one of these installed (and tracked by government health offices)?


46 posted on 07/09/2012 11:52:30 AM PDT by a fool in paradise (Fools.Damn fools.Welcome to the USSA. Socialism is slavery to the State and the Supreme Court did it)
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To: a fool in paradise

Don’t know. Right now it’s a voluntary thing from an insurance company. And not necessarily a bad idea, given that insurance is all about risk mitigation the more risk they know about the easier it is to mitigate, and also drivers like me (I speed every time I drive) will never sign up for it, which makes their lives a little easier too (not that I get in a lot of accidents, but I do realize I’m bucking the odds), Verizon taught the world that getting rid of expensive customers is good for the bottom line.

As long as it’s voluntary everybody can make their choices. I choose no. But if I drove like my grandfather (never a single ticket in his life, never an accident, always followed the speed limit) I might choose yes.


47 posted on 07/09/2012 11:58:48 AM PDT by discostu (Welcome back my friends to the show that never ends.)
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To: Gay State Conservative

Cell phone data link
http://allthingsd.com/20110407/progressive-insurance-taps-att-to-get-a-snapshot-of-customers-driving-habits/


48 posted on 07/09/2012 12:15:05 PM PDT by nascarnation
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To: smokingfrog

ping to #48


49 posted on 07/09/2012 12:18:15 PM PDT by nascarnation
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To: nascarnation

No thanks, Flo.


50 posted on 07/09/2012 12:28:34 PM PDT by smokingfrog ( sleep with one eye open (<o> ---)
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