Oh yep, got ya. I actually did snapshot like 10 years ago but that was before they tracked you for 6 months + and when they could only lower your rates, not raise them. Much more intrusive now.
Has anyone taken the defensive driving course to get an insurance discount? I recently took the course and I called Statefarm and they told me I have to be 55 years old to get the discount. I thought anyone could receive the discount.
USA, Florida
I think defensive discount is “old school”. Most insurances don’t care as long you “Drive safe”. Why most of these places like to watch your every move via phone app.
That may be a state dependent thing and if the “discount” or credit is approved by the insurance commissioner.
When I lived in GA I took the Geico one and it lowered my premiums ~ $160 per year for 3 years. Moved to CO and it no longer applied.
3 Likes
Tesla Insurance is probably the most punitive about this.
1 Like
Yup. You can’t even remove it since the car sends all the info lol
1 Like
I got a discount with it from State farm. Under 55.
1 Like
I live in Florida and I don’t see where it said only 55 years or older is eligible for a discount.
Its out there. If you’re under senior age, a driving course won’t help your rate in Florida.
California banned this crap and hopefully other states get in line.
4 Likes
It’s funny how it was spun as anti-consumer when California banned the apps, OBD dongles, and other “safety monitoring” methods that were an enticement to lower rates.
While a few people may have seen lower rates with “safe driving”, most saw higher rates due to some artifact detected in their tens of thousands of miles of driving.
3 Likes
Newspeak™ 
Man this is BS. We don’t even have many snowy off-ramps where people are trying to get out of negative equity car loans and bad leases.
Avg. annual cost of full coverage (June 2023): $1,666
Avg. annual cost of full coverage (June 2024): $2,417
Year-over-year increase: 45%
Projected annual cost of full coverage (end of 2024): $2,681
Maybe each time someone here posts a snowy off ramp, 1000 episodes of fraud is generated? lol
2 Likes
Well mine has already increased so I doubt it would increase any further. I just hope they don’t increase it further next year.
There used to be a time where we could keep a spare car at home but now due to insurance cost it does not make any sense keeping an extra car in the household.
Got my renewals. And it was “fun” to open.
2022 Auto $2k House $3k
2023 Auto $2k House $4k
2024 Auto $3k House $4k
All thanks to Hanover. Essentially, it was a 40% increase in less than two years.
Brokers checked other companies, and no difference was found.
Did myself some quotes and got best from Progressive $2,5k house for 1 year and $800 for Auto for 6 months. I guess I’m going through with it even if I’m pretty sure they will try to jack up the rate come 6 months of renewal. Still cheaper than anything else by a mile.
4 Likes
Same happened to me with Hanover and I ended up with progressive home and auto as well.
1 Like
Did you try AMICA?
I did. They sucked big time, like 2-3 times higher vs. my current. Liberty Mutual was really close though.
I have been swapping every 6mos between progressive and geico lately. Before you cancel geico they may lower it to match progressive - fyi
1 Like