My friend took there policy out and not sure about it do they bill u every mth? Good video

The issue I had when using Progressive devices years ago is define hard brake, I got pinged all day long just driving around in Houston area. Car pulls out in front ping, traffic lights ping, pedestrian ping. It actually encourages a different style of driving like swerving, lane change, traffic light running etc. to avoid getting pinged for driving and stopping normally

I am 82 and you have validated exactly how I feel. Keep up the good work!

I agree that this is a huge privacy concern and I normally would refuse such tracking, however in my current state, I don’t have a choice. It is so cheap for me to do Milewise ($90 every 2 months) that I have to go with this plan as I can’t afford traditional insurance at almost $1K a premium package. It’s disgusting how much insurance agencies punish new car owners, especially in college students.

I'm still thinking about it. I work from home and don't go out much. I own 2 cars and probably drive each 2000 miles or less per year. What would you recommend ?

To me, it doesn't matter if the 2,000 miles per yr. driver is charged 2 cents more than the 8,000 miles per year driver because the bottom line price is a whole lot cheaper than I was paying on a traditional plan. My monthly rate, based on very little driving due to working from home, is now roughly $50 per month vs. $130 per month with all-around HORRIBLE Progressive's traditional plan. All they did was constantly raise my rates for NO reason, despite the fact that I hardly even drove my car, had no accidents in many years, and am a "Safe driver." So they would raise my rate and then suggest sacrificing coverage so I could still afford it. I now have amazing coverage (which is what I'm used to), and I'm paying so much less.

This was extremely helpful! I was about to sign up for pay-per-mile car insurance with Allstate. The rate they quoted me was a HUGE savings compared to all other car insurance quotes I received. However, after you pointed out the privacy issues associated with the tracking device, I did my own research and found that you were exactly right.

I found that, indeed, they do track a whole lot more than just the mileage — things like location, late-night driving, hard braking, speeding, etc. I found out that they can adjust my rates — up or down — based on my driving behavior. As you mentioned in the video, this information is most likely kept indefinitely and that doesn't sit well with me. I also feel that this information will probably be shared among different car insurance companies. So that could affect my rates from all the different carriers.

I agree that most of us probably think we're better drivers than we actually are or than the insurance companies think we are — based on their strict criteria. After watching your video twice and doing my own research, I've decided not to purchase pay-per-mile car insurance with any carrier. The detailed data and information I would be giving up are just not worth the potential savings. Thank you SO MUCH for sharing your insights, opinions, and in-depth research!!

I've had a car for two years under traditional insurance. My rate is fairly low, especially for living in the NYC suburbs. But I've only driven about 4,000 miles the past two and a half years—and not just because of the pandemic.

I'm interested in pay per mile insurance. But the tracking has me worried. And, no, I don't think an insurance company knowing my whereabouts is equivalent to Apple or Google knowing where I'm at. It's opening myself up to insurance companies charging me more based on when I drive and what specific locations I'm driving to, like the liquor store example.

Hay thanks for this. I was just looking at a quote for a PbM because I drive about 30 miles a month. The lowest possible to choose is 50. Well after a quote that was as close the the coverage I have and then including comprehensive & collision (which I don't have) at 1k deduction the cost was still half of my current coverage : 77 vs 35.40.
Since the C&C only added about $5 a month and my Toyota truck is still worth around 6k I think its worth it.
I am wondering what happens if the little dongle is not plugged into the car when I drive (If I end up going PbM)

another one rip off

Great info.. Idk what’s best for me. Because I’m planning to own a convertible weekend car so I’m considering this per mile ins.

NO THANKS END OFF

I agree that the real issue with these devices is that the Terms and Conditions explicitly state the companies can do whatever they damn please with the devices' data, and the advertised benefits mean almost nothing if the company can come in and say "we saw you hard brake twice last month, we conclude you're a risky driver and have raised your rates". When all it could have been is that you're hard braking to avoid someone pulling out last second, or a child darting across the street.

The agents will say "ah, this is only meant for mileage tracking", but the terms don't prohibit the company from inflicting penalties for what they see on the devices.

Also, the Terms and Conditions don't prohibit the company from selling the data onto a 3rd party analytics firm for advertising and what not. And as anyone who's been to law school can confirm, if it's not explicitly prohibited by policy or by law, you should assume they'll do it if there's money on the table.

Your points #3 and #4 were misleading. You could have compared the per mile rate against the traditional rate in your various miles analysis. An ultra-low miles driver would have a much higher rate per mile regardless of which type of insurance one picks (if you only eat salad in a buffet meal, that salad would be expensive) and traditional insurance will in this case cost much higher than per miles plan. so if someone drives 2-3k miles a year, a mileage plan is very likely the way to go, even with a daily fixed cost. Also for #5, isn't that true for all types of insurances, auto, home, healthcare, life etc…?

I think we might get it for a car we use specifically for camping only. any thoughts??? we only go camping 4-3 times a year.

Great vid! Got sucked in by the price but then the device came in. Wasn't sure what to think.
I feel the pros outweigh the cons after this video. Thank you for making it

I pay 320/6mo trad ins no limits or tracking, Metronome is $50/mo base + .07/ mi = $300+ miles…bullshit, no savings!

I pay $50-60/month for my Audi Q5. A similar quote from Geico costs around $200. I am a believer of driving less.

Good video! Thanks.

Driving less SHOULD be LESS risk = lower rates….WTF is this scam?