I get that it costs more money to fix a car these days with normal inflation and replacement for some of the more sophisticated parts of the car. Yeah everyone loves the GPS and the on line audio and the fact that you can get road service from programs like OnStar's smart driver program .

But what happens when you turn on these features and your auto dealer has made an arrangement with the insurance companies so these features can spy on you ?

The Slimes has an expose on it .

A driver in Seattle ;who drives a Chevy Bolt, was wondering why his insurance premiums got jacked up so much since he was a long time safe driver without accidents . The insurance company redirected him to LexisNexis .LexisNexis collects data and sells it. So he got a copy of the report that was compiled by them ;and given to the insurance company. It was 258 pages report !!! It detailed a complete day to day driving activity that included things like every time he had to brake hard ;every time he drifted over the speed limit; every time he took a corner too hard ;or accelerated too rapidly.



Kia, Subaru and Mitsubishi also contribute to the LexisNexis “Telematics Exchange,” a “portal for sharing consumer-approved connected car data with insurers.” As of 2022, the exchange, according to a LexisNexis news release, has “real-world driving behavior” collected “from over 10 million vehicles.”

Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies - The New York Times (nytimes.com) (https://www.nytimes.com/2024/03/11/technology/carmakers-driver-tracking-insurance.html)

If you are enrolled in OnStar smart driver program you may want to disconnect. Reddit users tell you how.

PSA: Chevy/OnStar automatically opts in all bolt owners to service that shares driving behaviors to insurance companies : r/BoltEV (reddit.com) (https://www.reddit.com/r/BoltEV/comments/1535ohe/psa_chevyonstar_automatically_opts_in_all_bolt/)

You may also want to request what information LexisNexis shares about you.

There is an insurance company (name escapes me) that advertises about a phone app that gathers your driving data and sends it to the company. They use that data to, according to the ad, give a premium rate to safe drivers. It's just more of big brother looking over your shoulder.

The auto companies are not up front about this . Many have these as standard features . When I questioned my insurance company about increases they gave a song and dance. They almost dared me to find another insurance company . So that is what I did.

The lesson here is ;go online ;you may as well post a billboard with your private information.

Auto insurance is sky rocketing like everything else in America. It could go up over 20% by years end.

A new report published by Insurify, an insurance comparison shopping site, shows the average U.S. rate for full auto insurance surged to $2,329 in the first half of 2024. That marks a 15% increase from 2023 and a stunning 48% spike when compared with 2021.
By the end of 2024, the cost of coverage is expected to rise even further, to $2,469, according to the report.

This Is Why Your Car Insurance Is About to Get More Expensive - Newsweek (https://www.newsweek.com/why-your-car-insurance-about-get-more-expensive-1933429)

Auto insurance premiums are most expensive in Maryland, where the average yearly cost is $3,400, and South Carolina, where it costs $3,336.

It's just more foolishness that our government should be dealing with, but they're too busy taking care of things like making sure men can compete in women's sports.