I going to reevaluate and most likely
cancel the 'Drive Safe & Save' option from State Farm Auto (SF). IMHO, there is an AI bot war between State Farm's AI driving analytics and Elon Musks dream of FSD perfection. Ugh, I loose having a computer evaluate another computers driving performance!
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Let me first say, I am a State Farm customer with no auto/house claims for over 10+ years with SF. The auto discount savings on my MY '21 Tesla have been diminishing to almost nothing over the last 3 years primarily because I allow/prefer Tesla's FSD beta to drive 80% of the time along city and highway. I always keep both hands on the steering wheel, and ready to brake/accelerate when FSD is not driving within acceptable driving expectations. But I get dinged for FSD causing aggressive acceleration (has the
Tesla Model Y Acceleration Boost), cornering (again FSD being weird/jerky at some city corners), speeding (FSD does not immediately slow down at the slower posted signage(s) and coasts at the higher rate for more than a ½ mile after postage speed signage, FSD hard braking (need I say more).
I usually have WAZE on my phone to warn of road hazards, traffic congestion, auto accidents, fog, etc and every time I briefly use the phone to look/post at where the alert is, State Farm is there to mark it as a 'phone distraction'.
If I am not going to get a reasonable policy discount for still perfect driving record after 10+ years with SF (no auto claims for 30 years in total), but penalized for being a '
potential accident waiting to happen driver according to SF's predictive algorithm', why bother. I do not expect insurance companies to be impartial in there expectations for 'safe driving' since they loose money if they allow for anything other than perfect driving.