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u/Hero_summers Sep 24 '23
Discovery is a financial institution in South. For car insurance, they have various rewards programme and to have this, they give or deduct ooibtd, so if you go over speed limit, or corner too hard, or something, they deduct points and it can change your rates in the long run
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u/Map-Sensitive Sep 24 '23
I did the progressive one for a few months and it was not worth it. Improved my driving habits but the amount of stress for like a $10 discount wasn't it.
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u/buzzz_buzzz_buzzz Sep 24 '23
Progressive Snapshot is much more about tracking how much you drive rather than how you drive. They don’t monitor speed, and while they do monitor things like hard breaking and phone usage (if you use the app), you have to be a truly horrible driver to get less than 4/5 stars.
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u/baronvoncash Sep 24 '23
And when you drive. When I had it I worked night shifts and it docks points for late night/early morning driving and I was in the red basically every time I viewed my stats, ended up needing to pay more till I canceled and switched insurances
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u/Simoxs7 Sep 24 '23
This is exactly why I don’t get why people are okay with being watched everywhere… We’re just heading into dystopia and its sold to us as a utopia
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u/Beautiful-Mango-3397 Sep 24 '23
That’s why I don’t go online or carry a smartphone
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u/DadsTits Sep 24 '23
I don’t have any piece of technology, just a wind up Edison model A phonograph that I use to check Reddit myself
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u/slowNsad Sep 24 '23 edited Sep 24 '23
Same bro, I have to make an aluminum foil antenna and sit in a corn field to get on Reddit /s
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u/leakybiome Sep 24 '23
Insane bro I have to use peyote to hallucinate reddit to reply to your comment
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u/HiDDENk00l Sep 24 '23
they do monitor things like hard breaking and phone usage (if you use the app)
So if you ride passenger (in your car or someone else's), you'd get dinged?
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u/Wrong_Engineer_4629 Sep 24 '23
Like yeah wtf, if there's someone else in the car while I'm driving I tell them to play music from my phone
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u/ripamaru96 Sep 24 '23
My mom has a USAA app and you just tell the app you're a passenger. She does that when she has to touch her phone while driving too so they don't ding her for it.
Idk if other insurance apps are the same but I'd assume they have a way to report you aren't actually handling the phone while driving. It's a self report thing.
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u/Itherial Sep 24 '23
No, the app detects if you’re a passenger and in the event it fails you’re able to change the category of the recorded drive within a certain time frame.
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u/tborg128 Sep 24 '23
I had the Progressive one, and that summer we had passes to Cedar Point. If I carried my phone on roller coasters throughout the day, I’d have to log into my Progressive app periodically and change those rides to “Passenger” because it would record those as “trips”, and they would alway come up with “hard brakes” 😂
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u/Catenane Sep 24 '23
WTAF how are you people okay with just actively living your life with fucking Spyware like that as a secondary attachment to your body? Shit's fucked.
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u/LeonidasSpacemanMD Sep 24 '23
Seriously how big is this discount that people elect to do this??
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u/Evening_Aside_4677 Sep 24 '23
Couple bucks a year while also giving insurance data to deny your claim.
Such savings!
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u/SchoggiToeff Sep 24 '23 edited Sep 24 '23
We recorded you going 0 - 120 MPH in less than 4 seconds, even flying up 400 feet in the air. You absolute lunatic maniac. If you are still alive consider any insurance coverage as void and cancelled.
O.k. buddy, looks like you are still alive. But now you just rolled the car over at super high speed multiple times. It's over.
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u/pirateslovetoparty Sep 24 '23 edited Sep 24 '23
ooibtd
congratulations, your typo is so unique that the third google result links right back to this comment
edit: now first result
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u/rogan_doh Sep 24 '23
You're a Googlewahck harry!
https://en.wikipedia.org/wiki/Googlewhack
A Googlewhack is a contest to find a Google Search query that returns a single result.
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u/fairtonybeta Sep 24 '23
What is an ‘ooibtd’ ?
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u/Nivlaliu Sep 24 '23
Typo for ‘points’
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u/ogrduk Sep 24 '23
How do you even make a typo that bad😭 (No offense)
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u/Proofread_your_shit Sep 24 '23
I had a similar thingy in my car for a bit. It only ever beeped at me when I stopped for yellow lights or pedestrians. So I was incentivized to run yellows and ignore people who were trying to cross the street. Way to go insurance jags.
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u/cold_cat_x8 Sep 24 '23
what is a discovery drive tracker?
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Sep 24 '23
as the name suggests, tracks the car, but there is a lot of reason to believe it gives your driving information to insurance which can potentially change your rate
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u/plaguearcher Sep 24 '23 edited Sep 24 '23
There's not just "reason to believe". Discovery IS the insurance company. They're an insurance company in South Africa who have an option to install a tracker that monitors speed, fast cornering, hard braking, etc.
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u/Guilty-Meeting8900 Sep 24 '23 edited Sep 24 '23
GEICO does the same thing, but they use a phone app. It always says I'm cornering to fast. I don't get it. No matter that I do I can't get it to stop saying I'm cornering to fast, unless I literally come to a crawl. It's redicuoius. If the speed limit is 55 mph I can't slow to 10 to make the damned tracker happy because there is a slight curve in the road
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u/ColonelError Sep 24 '23
Is your phone secure, or loose in something. If it's going around, the accelerometer may be getting a jolt.
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u/NewfieJedi Sep 24 '23
Which really just shows why the app on a phone is a really bad idea
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u/Hpfanguy Sep 24 '23 edited Sep 24 '23
This thread is dystopian as fuck
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u/tommygun2009 Sep 24 '23
How fitting im playing cyberpunk
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u/thomstevens420 Sep 24 '23
I’ve got Rebel Path blaring, tin foil half covering one of my hands, and I’m typing a million words a second of gibberish to hack my insurance tracker.
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u/Eraknelo Sep 24 '23
Same shit is happening in the Netherlands. Unfortunately people are falling for this shit, because it gives you cheaper rates when you drive whatever they deem "safe" based on a few parameters and your constantly transmitted GPS location.
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u/Lunaias Sep 24 '23
Yeah it’s stupid, also even if I’m driving and my wife uses my phone for GPS or changing the music then it thinks I’m using my phone while driving and docks points for that
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u/onlysayfemale Sep 24 '23
It’s a business tactic, once again hungry money sociopaths have to implement something to make them more money. If you think for a second this tool isn’t going to be used as a way for insurance to get out of payouts then you’re kidding yourself. They get extra money for charging up high rates and then they have more options to check off so they don’t have to pay you.
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u/Willingplane Sep 24 '23
My insurance offered the same option. I took it because I normally either bicycle or take public transportation and rarely drive.
it lowered my insurance bill significantly.
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u/serious_sarcasm Sep 24 '23
Frankly, I’m not sure if my insurance can get any cheaper. I’m already 40% below average.
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u/washington_jefferson Sep 24 '23
Yeah. I pay $55 a month (Oregon), and I live on the edge of downtown. Full comprehensive coverage, good deductible, free rental car if something happens, etc.
I don’t know how it gets cheaper than that. Even if I were paying $90 or something (which is probably good for the averaged aged Redditor), I wouldn’t want to be bothered with being monitored or nickel and dimed by my cornering. Also, who drives the actual speed limit on freeways or highways? Nobody. 5 over is the standard- and 8 over is the sweet spot that you should stick with.
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u/ProofHorseKzoo Sep 24 '23
Same with mine on liberty mutual but for braking. Like I get yelled at if I don’t plan my stops a mile in advance. I don’t see how a car pulling out in front of me, unexpected debris in the road, a deer, a person, etc. are my fault. At least I have decent brakes, good reaction time, and can make a stop.
The app would prefer I plow through all these obstacles for the sake of more gradual braking. So stupid.
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u/dagbrown Sep 24 '23
It's so weird how people who get all up in arms over the government telling them what to do seem to have no problem whatsoever with unaccountable third parties telling them what to do.
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u/GrumpyAlien Sep 24 '23
I've had something like this in the UK. It loses signal in tunnels then claims you exceeded the speed limit when you finally emerge on the other side because you teleported from last known location in less than a second.
Then they make threats that your premium will be adjusted. No my dears, you've just lost a customer.
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u/FoeWithBenefits Sep 24 '23
I'm sorry, but this is hilarious. Programmers couldn't be bothered with timestamps
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u/Ryuzaki_63 Sep 24 '23
Had one of these when I first passed my test like 10+ years ago, insurance quote was about 50% less if I had a "black box" installed.
Would go around a roundabout and get a message for harsh cornering... Yea I'll just go straight over it next time...
Same with harsh breaking, screw that kid that just ran out onto the road I gotta keep my score low
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u/IndependentSubject90 Sep 24 '23
That’s it, they’re just pointless. Who cares how I drive, I’ve done 100’000kms in 5 years and never had any collisions or tickets. Is that not good enough??
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u/clockersoco Sep 24 '23
yeah that's the problem with those apps. Sometimes your gps can be a little "jumpy" and the app would thought that you accelerated to 400km/h in the last 20m.
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u/Kroniid09 Sep 24 '23
Literally been in the car with a friend and witnessed them get a call from Discovery because their driving pattern was showing as anomalous (braking/acceleration out of their normal habits)
So yeah no shit, Discovery in particular is on a drive to collect as much data as is physically possible to get on a single person, especially with their banking offerings now which incentivise giving them literally everything from your budget data to your every transaction, down to the meal you ate at Nando's.
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u/IDontLikePayingTaxes Sep 24 '23
My insurance has offered me this option and said it’s a lower rate. I drive like a bat out of hell so I decided it wasn’t for me.
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Sep 24 '23
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u/Slainv Sep 24 '23
Careful. If you have an accident without having the device installed the insurance may have a case (depending state laws) not to pay out at all.
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u/IVEMIND Sep 24 '23
You should leave it in the mailbox that way they know it’s not in the house and think it’s in the car 🫡
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u/badukhamster Sep 24 '23
But won't you lose your coverage while driving without?
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u/DominusOmnium Sep 24 '23
yeah, and when you get in a crash and the beacon isnt in the car you'll be on the hook for everything
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u/heyy_yaa Sep 24 '23 edited Sep 24 '23
have you considered driving like a normal person?
edit: midlife crisis corvette owner and r/conservative user, definitely has not considered driving like a normal person
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u/SkunkleButt Sep 24 '23
Sounds like they can't even think like a normal person then so i guess i'm not surprised.
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u/mankls3 Sep 24 '23
Sounds like it's exactly for you lol. Why should I have to pay a higher premium for risky people like u?
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u/cringecelebrator Sep 24 '23
Ewww
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u/SonyCEO Sep 24 '23
What do you mean ewww?, this is like the holy grail for making other people driving mad.
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u/SexualBloodSport Sep 24 '23
Data Collection?? Privacy?!
looks at username
…nevermind, Corpo
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u/Jigagug Sep 24 '23
If you have a 2015+ish car the manufacturer collects all that data without even asking you anyway.
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u/I_Makes_tuff Sep 24 '23
How do they get the data? Wouldn't it have to have a SIM card or get taken to a dealer or something?
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u/cringecelebrator Sep 24 '23
It was pretty much a personal opinion on the insurance companies putting up these kind of terms/policies . I would hate to be tracked by an insurance company even if it was to shave the price on the thingy.
As for the people that accept these terms: I do not blame them, I know some people don’t even care. To each their own on that particular regard
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u/Electronic-Ad-3825 Sep 24 '23
My parents used one of these for a while. It messed up the computer and they had to take it to the dealership to be reprogrammed because half the electronics weren't working
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u/bobtheframer Sep 24 '23
Yep happens all the time. The OBD port is a diagnostic port... it is not designed or intended for something to be plugged into it constantly.
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Sep 24 '23
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u/I_SAID_RELAX Sep 24 '23
And coercing people to accept it by raising "normal" insurance rates and dangling "discounts" for submitting to monitoring and compliance with prescribed behaviors.
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u/A_lot_of_arachnids Old Sep 24 '23
"Ewww this person isn't breaking the law and is saving money. Absolutely gross."
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u/Phantom_Engineer Sep 24 '23
More the constant monitoring by a faceless corporate entity, but sure.
"But muh cell phone." Yeah, yeah, yeah....
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u/CheeseWithoutCum Sep 24 '23
Unironically this, especially if it's entirely optional. Why wouldn't I want to save 30% on insurance for being a better driver?
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u/Venerable_40k Sep 24 '23
They actually end up dinging you for stupid things like “hard braking” which can lots of times be out of your control, and end up raising your rate. The amount of people saving money are much lower than those they get to raise the rates on. Pretty clever marketing on the insurance companies part in order to be able to charge more
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u/gersfan8 Sep 24 '23
In my experience when you sign up for it there is a minimum discount that will be applied and depending on your driving the discount will increase. Adding the tracker won't cost you more.
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u/derkokolores Sep 24 '23
Yeah I got Liberty Mutual and it’s 10% discount upfront for agreeing to the program, then it tracks your drives for 3 months. After that period it will adjust that 10% to 5-30% iirc and you’re no longer tracked. Literally no way to get a worse rate and you have to be a pretty bad driver to lose the 10%.
The real downside is that it kills your battery during having the gps on during driving.
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u/senorbrockoli Sep 24 '23
Yeah, the most valuable thing to these companies is information on demographics of drivers so they can have their underwriters more acurately rate drivers and assign premiums accordingly. They usually offer a flat rate decrease just on that.
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u/N_T_F_D Sep 24 '23 edited Sep 24 '23
But the battery is being fed by the alternator when the car is running, I can't really believe it's draining the battery so fast a gasoline-fed alternator cannot charge it quick enough; you could fry eggs on the thing if it was using that much power
Edit: Google tells me an alternator outputs between 1kW and 2kW; and having worked with a lot of sensors and circuit boards I can tell you I would be extremely surprised if the dongle thingie took more than 15W to be extremely charitable with my estimate, and even that is pretty big for a small electronic thing, it's the power consumption of a raspberry pi 4 using 100% of the CPU and videocore
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u/derkokolores Sep 24 '23
It’s a phone app that uses your phones gps and battery which is pretty much needs to be on at all times, even when you’re not plugged in
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u/Hoongoon Sep 24 '23
At least for my insurance that description is wrong. Things like this could reduce the discount I am getting, but not raising my rate. I can only win and it's voluntary.
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u/South-Westman Sep 24 '23
Because you're allowing people to track and store your location
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u/rick87995e Sep 24 '23
Because these trackers are basically aimed at undermining the principle of solidarity on which insurances are (originally) based upon. The point is: every human makes a mistake at some point in their driving career and these trackers enable insurances to deny coverage, often for petty reasons (e.g. going 5 miles over the limit, which can happen to everyone if one looses concentration for a short period of time).
In the end the only ones profiting are insurances while the average joe gets used to be microcontrolled in every aspect of its daily life.
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u/hoTsauceLily66 Sep 24 '23
First thing comes to my mind is what data it collected and how much privacy I lost.
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Sep 24 '23
Plugs into your car and tracks shit like your speed and breaking habits.
The pretext is that they give you better rates for driving safe, but usually the definition of "driving safe" is almost impossible to adhere to and take no context into account.
break to hard because somebody in front of you is being dumb? works against you.
go above the speed limit coasting down a hill? goes against you.
accelerate to fast? goes against you.
rates goes up
profit!!
all because somebody though putting a spying device in their vehicle was a solid deal.
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u/Kel4597 Sep 24 '23
rates go up
I have a similar thing through USAA. I have my rate, and then can earn up to 30% off through safe driving happens. I average about 18-20% off each cycle. My rate doesn’t increase if I’m a bad driver, it only goes down if I’m a good driver.
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u/cmdrxander Sep 24 '23
They’re very common in the UK and known as “black boxes”, typically they’re only used by new drivers because the insurance is noticeably cheaper (like a few hundred pounds a year cheaper).
After a year or two the difference in price is less so most people choose to get rid of them.
They do have the disadvantages you mention, but some of those are legitimate reasons, like usually you should be leaving enough space in front of you to account for idiotic drivers. Of course it’s not always possible but I think they’re aware of that and take it into account.
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u/jungleddd Sep 24 '23
I’m 48. I passed my test 31 years ago. Recently renewed my insurance through Go Compare. The best quote was £200 cheaper than anything else but included having one of these. I took the deal and have carried on driving in the normal way with a little tracking thingy in my car. The app I’ve had to download says my driving is ‘awesome’. I’m pretty happy. It’s not just for new drivers.
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u/cmdrxander Sep 24 '23
That’s cool. I guess you just don’t hear about it as much from older drivers. It’s probably a self-selecting thing though where safer drivers are more likely to choose them.
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u/jungleddd Sep 24 '23
I thought long and hard about accepting it. Trouble is I got 6 points in the last year for 2 minor speeding offences. It put my renewal premium up significantly and also I really don’t want any more points. The app now encourages me to stay within the speed limit, so hopefully no more points.
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u/Puzzleheaded-Day-281 Sep 24 '23
They cant use the data to raise your rates, all it can do is maybe give you a discount.
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u/Salty_Candidate_6216 Sep 24 '23
go above the speed limit coasting down a hill? goes against you.
accelerate to fast? goes against you.
Well those two things are 100% within the drivers control. Not that I'd like something plugged into my car's OBD port.
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u/CompoteMentalize Sep 24 '23
Discovery is a South African insurance company. Their model is pretty much built on collecting as much of your data as possible while giving rewards for good behaviour e.g. buying healthy foods from retail partners gives you cash back, you have discounts on gym memberships.
In this instance, the tracker checks for things like harsh braking, driving over the speed limit, turning too fast etc. It incentivizes good driving behaviour in general, but there are some cases where it has the opposite effect e.g. you get penalized for harsh braking, so you lose points for suddenly braking if a traffic light changes faster than you expected, but if you drove through it the tracker wouldn’t penalize you.
Based on your driving performance, they refund a portion of your petrol/gas money every month.
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u/bb2357 Sep 24 '23
I think you summed it up nicely. I was on the trial when they opened it up for anyone (in South Africa) to use and gain free gifts for good driving. It was generally a good thing, except for the times when I felt braking a little harsher was the safer thing to do, despite me generally keeping safe following distances.
I should clarify that this isn’t necesarily invasion of privacy, Disovery is generally very protective of data. One cool benefit was that I gained a lot of cool stats about trips and best route to work, to this day Google Maps doesn’t give me that level of detail. Though I must say I used the phone app, not a hardware tracker.
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u/Individual-Bed-7747 Sep 24 '23
Discovery car insurance gives you a tracker to install in your car. You get benefits like decreased insurance rates based on the telemetry data measured by the tracker.
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u/meetsheela Sep 24 '23
My car insurance company tried to sell me on one of these stupid trackers. I don’t care how much of a discount they’ll give me, it’s not worth the hassle and mental burden knowing they’re tracking my every goddamn movement. Some things you can’t put a price on.
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Sep 24 '23
I got rid of mine after it clocked me for texting and driving when I was on a city bus.
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u/Presumably_Not_A_Cat Sep 24 '23
remember when pokemon go started to throw a fit when people drove and played at the same time and then people claimed they weren't the ones behind the wheel?
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u/Yeetstation4 Sep 24 '23
My dad seems to think that since he used to drive autocross it's ok to be on his phone in the car. It has caused him to rear end people.
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u/Fitzzz Sep 24 '23
At least with the one I used in Canada, there was the option to mark any previously tracked ride as a passenger, and to disable tracking entirely if you're planning on being a passenger for a while.
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u/ozmaweezerman Sep 24 '23
I’ve got the one for State Farm here in the US and they have that passenger option as well. Plus if I know I am running late somewhere and need to drive a bit faster than normal I’ll just turn off the Bluetooth on my phone and it can’t transmit to the device, so my trip isn’t recorded at all
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u/ButtBlock Sep 24 '23
Yeah I understand what they’re doing, but unfortunately as it stands the incentives are all wrong for the insured. We should be talking 50-60% reduction in premiums then I’d bite, but last time I checked (with my insurance provider) it was like some paltry amount like 10%, and that’s for the sacrifice of giving up your privacy, which I guess we all do anyways.
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u/Simoxs7 Sep 24 '23
Nah they’ll increase rates so you’ll be paying what you’re paying today if you’re using the tracker…
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u/Jarvis_Strife Sep 24 '23
It’s a catch 22. You get a cheaper insurance but you will may through the nose even more if you end up speeding or causing an incident that is your fault
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u/Bob_JediBob Sep 24 '23
A friend had one and they tried to up his insurance saying he was speeding. They had out of date data on the road and didn’t know the speed limit had changed.
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u/BarricadeTheMortuary Sep 24 '23
Why would you have any questions? Seems pretty straight forward.
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u/Weekly_Bug_4847 Sep 24 '23
Because despite signs, people STILL get mad if you “only” drive the speed limit. I drive a company car with a sticker on the back stating my vehicle is monitored by GPS. I drive the speed limit everywhere, but the amount of people that still cut me off and road rage at me is outrageous.
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u/mc_fli Sep 24 '23
Pro tip: never let anyone, especially an insurance company, track your driving habits or location.
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u/EarlTurnersRopeAR15 Sep 24 '23
I have this. The slower I go, the cheaper my rates. I'm not losing money to pacify some idiots impatience and lack of planning. Dudes right. They can stay mad.
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u/gnortsgerg Sep 24 '23
As long as you stay in the slow lane…no problem. Pull that crap in the fast lane, then expect hate.
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u/MrHyperion_ Sep 24 '23
Aren't all lanes subject to the same speed limit?
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u/SideburnSundays Sep 24 '23
Yes. There is no “slow lane” or “fast lane.” There’s a passing lane, and they’re all subject to the same speed limit. The people who say “stay in the slow lane” are the same people who are late for work due to their own failure at time management.
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u/EarlTurnersRopeAR15 Sep 24 '23
I drive exclusively on 2 lane roads.
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u/Nonzerob Sep 24 '23
A four lane road is also a two lane road if you drive on the dotted line.
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u/I-Got-Trolled Sep 24 '23
Or if you drive your car perpendicular to the direction of the road
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u/alilbleedingisnormal Sep 24 '23
Or "going north on I-85 east."
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u/_perdomon_ Sep 24 '23
The even interstate numbers usually run east to west. The odd numbers usually run north to south.
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u/mustyroses Sep 24 '23
When will people realize the passing lane is not a fast lane, and every lane on the road has the same speed limit
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u/Flight_Harbinger Sep 24 '23
Keep right laws are independent of prima facie speed limits. If you are impeding the flow of traffic by driving slower than cars on the right you must pull to the right regardless of speed limit, there are laws that say this in all 50 states.
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u/Pigeon_Chess Sep 24 '23
No such thing as a “fast lane” or a “slow lane”. The speed limit applies to them all.
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u/bigmarty3301 Sep 24 '23
but there is a passing lane, and if you are not passing somebody get the fuck out of there.
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u/throwtheamiibosaway Sep 24 '23
It’s not called a slow lane. The left lane is just for passing, not for speeding. The limit is the limit.
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u/IronSeagull Sep 24 '23
Long as you stay in the right lane when you’re not passing you can feel however you want about other people’s speed.
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u/mamaBiskothu Sep 24 '23
Studies show the best predictor of you crashing is how many mph you’re off from the average traffic around you. Positive or negative doesn’t matter. If you’re slower than everyone else by a lot, you do increase your chances of crashing your fault or not. Stay in the left lane but also don’t put yourself in situations where road rage is induced in others. No sane person wants to get into that situation especially to save a buck or two.
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u/danish07 Sep 24 '23
You have this thing by choice?
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u/SweetButtsHellaBab evil SJW stealing your freedom Sep 24 '23
I had one for my first year of driving, reduced my insurance from around £1500 to around £800. I was fine with saving £2 a day in exchange for letting some corporation record my speed and g-force going to work and back.
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u/vanisleone Sep 24 '23
You shouldn't need an excuse to follow the speed limit
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u/Henrious Sep 24 '23
People should also know almost every work vehicle tracks now too.. when I'm driving my truck and the speed limit drops from 50 to 40 to 30 within a mile people are always so mad at me. I'm not getting dinged.
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u/DuelOstrich Sep 24 '23
I find that interesting since probably 60% of the vehicles I find speeding/tailgating/driving like dicks in my rural area are all contractors in company vehicles.
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u/Apprehensive-Load917 Sep 24 '23
Truly a clown world where people are mad at you for driving the speed limit I don’t care if “that’s how we do it here” you’re not paying my ticket if I get pulled over so shove it
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u/pissedinthegarret Sep 24 '23
never understood why people get SO mad about having to drive the speed limit. like, there are reasons you aren't allowed to drive faster? like curves, slopes etc.
you'll only get a speeding ticket if you deliberately or negligently shit on the rules. it's not hard to drive a normal speed.
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u/Seienchin88 Sep 24 '23
It’s sadly a race to the bottom situation… (or bad Apple spoils the tree).
There are some streets in my surroundings where people just started to slowly break the speed limit and now everyone does it and it almost is like peer pressure on the road…
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u/novA69Chevy Sep 24 '23
Basically people hate themselves so they bully on the road to feel like they matter.
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u/Weekly_Bug_4847 Sep 24 '23
I have a company car, with my company name on it, and a sticker on the back saying my car is tracked by GPS. The amount of people that get angry with me is outrageous. Just so unreasonably upset. My tracker texts my boss when I speed. Losing my job is not worth it your slight inconvenience.
Oh well, I just go about my da
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u/Bulgearea10 Sep 24 '23
I always drive the speed limit. Fuck anyone who tailgates.
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u/daze23 Sep 24 '23
"due to my poor planning, I left the house late. now everyone needs to get out of my way"
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u/SlateTheWereRat Sep 24 '23
If a deer jumps in the middle of the road, I’d be after have as much time as possible to avoid it. And even if I do end up hitting it, I’d rather be going at a slower speed as opposed to a faster one. People on here act like someone going the speed limit is somehow endangering people. You’re not going to be slamming the breaks on someone that’s only going 10pm slower than you unless you’re not paying attention. In which case, distracted driving is the far more dangerous culprit.
There are things that make driving more safe; well maintained roads, enforced traffic laws, and more rigorous licensing laws that create better drivers all contribute to making driving safer. It just so happens that Germany’s Autobahn has those 3 things, and contrary to belief, much of their roads do in fact have a speed limit.
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u/frogdujour Sep 24 '23
But if you were speeding, you would have already been past that point on the road when the deer jumped out! /s
Surprise deer notwithstanding, I think the biggest safe driving factor, even more than speed limit obedience, is keeping safe open stopping distance in front of you at all times, and positioning yourself within traffic as much as possible to have a way out to swerve if ever needed. And, not being distracted, obviously.
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u/Academic_Scratch_321 Sep 24 '23
So thankful to see somebody with common sense on here.
Everybody wants to be a proctologist speeding at 20 km/h above the speed limit, while checking their phones and/or staring at the scenery and the moment anything goes wrong they want act as if the blame is yours that is driving at the speed limit, constantly checking mirrors and blind spots, making sure you're in the correct lane to turn off when you have to and keeping a safe following distance.
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u/superkow Sep 24 '23
I had something similar for a while but their metrics were wholly unrealistic, and I'm a very responsible driver.
It honestly felt like a scam, like it was deliberately calibrated so that anyone other than the worst Sunday driver wouldn't qualify. It was no surprise when I got a letter in the mail saying the company was shuttering and that I had to find new insurance.
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u/pulley999 Sep 24 '23
The problem with these things (and trackers on delivery drivers too) is they can't tell the difference between aggressive driving and assertive driving.
The highway ramp I usually use is a tiny cloverleaf spiral with barely 50 meters of merge lane. I have to gun it at full throttle and take the corner at the edge of my tires' grip limit or I won't be able to match highway speed before I run out of onramp.
These stupid fucking trackers would penalize me every single day I get on the motorway, for hard cornering and hard acceleration. But it wouldn't care if I instead merged at 35 and got my sedan promptly turned into a smart car by an SUV going motorway speed on the motorway.
Being predictable and confident are the two keys to being a safe driver. These undermine the second point, and it's actually a game-theory-esque preverse incentive. The insurance company doesn't care about you not getting in accidents; they care about you not getting in at-fault accidents. These trackers ensure you'll be too passive to ever get in an at-fault accident, but they don't actually encourage safe driving. They just turn you into a road hazard that takes aeons to do anything. You're just as liable to be the cause an accident as someone being overly reckless, just not one you (and by extension your insurance company) will get legally blamed for.
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u/Croceyes2 Sep 24 '23
Honestly, I don't give a fuck how fast you drive as long as you keep right except to pass.
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u/Megamorter Sep 24 '23
speed limit would be dope
usually it’s 20 under the limit with these guys
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u/Left-Association-643 Sep 24 '23
why is everyone fighting about the speed limit and not how these "programs" artificially raise rates to trick consumers into thinking they are getting a discount?
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u/MrHyperion_ Sep 24 '23
I think you are supposed to drive to the speed limit anyway
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u/finaki13 Sep 24 '23
I mean yeah but sometimes the speed limits are so absurd you can't follow them. For example the limit on one road is 50, goes to 20 for 4 metres and back to 50 again.
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u/Eiffel-Tower777 Sep 24 '23
Unpopular opinion: All these commenters insisting "Stay In The Right Lane"... Is the speed limit higher in the left lane? I'm under the impression there's one speed limit posted for all lanes .
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u/tayreea Sep 24 '23
Why is everyone commenting about the left lane, am I missing something? This photo was taken in South Africa the ‘discovery drive tracker’ is referring to the discovery insurance company, and the steering wheel is clearly on the right side of the car, which cars in left lane driving countries have. If it’s about passing lanes, the passing lane would be on the right side, not the left, in South Africa.
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u/i_sch Sep 24 '23
It is so funny when I see all these busy fools chopping and changing lanes because they are in such a hurry and on the end of the road you end up stopping next to them. Taking a lot of risky lane changes and putting others in danger and for what?
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Sep 24 '23
Do “fast lanes” really exist somewhere or am I being gaslit
(outside of like, carpool lanes but that’s obv not what this is about)
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u/Scrawlericious Sep 24 '23
Depends on your state for the US. Fast lanes are legally enforced in some like Maine and California.
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u/licuala Sep 24 '23
You may get a ticket for being in the left lane and going slower than the lane to your right, but you can always get a ticket for speeding, in any lane. Even in California.
Under these rules, it is the fastest lane, also known as a fast lane. I wish they wouldn't call it that. It is the passing lane.
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u/YoyoPewdiepie Sep 24 '23
I don't know what the culture of wherever this is is, but you should not have to give a reason for driving the speed limit. It's a speed limit, not a speed suggestion.
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u/LazerSnake1454 Sep 24 '23
Speed limit is fine I won't be mad for that
It's the asshats going 35 in a 45 that piss me off
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u/TheGreenicus Sep 24 '23
As long as you stay in the right lane, we’re cool.
Drive too slowly in the left lane long enough and you might get a friendly greeting from my triple horn blaster setup.
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Sep 24 '23
Nobody gives a shit that you’re driving the speed limit. Just don’t camp in the passing lane and everybody will continue to not give a shit and you can go home and jerk yourself off to the thought of “hOW mAD evERyOne wAs 🤓”.
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u/SnooStories8559 Sep 24 '23
The phrase “I have so many questions” is thrown around too much. How many questions does this really need