State Farm Drive Safe & Save: my Model 3 is not getting the full discount, why?

[jdcollins5]

My wife has a 2017 Honda Pilot and I have a 2018 Model 3. We have a combined 95% score on DS&S. On our most recent discounts posted, my wife’s car is getting the full 30% but my car is only getting 10%. I talked to my agent who talked with the Underwriter group that sets the discounts. Long story short, she gave me a list of things that could affect the discount. None of these apply to my car except maybe the last one.

She said the Year, Make and Model could impact the discount! Is anyone else with DS&S seeing this impact?

 

[Bill Foster]

You dont find it strange to allow your insurance company to track how you drive?

 

[Burrito]

i think after a certain time period you take off the obd2 sensor thing. at least thats how progressvie was when my wife did it, after she took it off it was back to normal driving habits

 

[XLR82XS]

i think after a certain time period you take off the obd2 sensor thing. at least thats how progressvie was when my wife did it, after she took it off it was back to normal driving habits

No OBD port for those insurance company tracking devices.

 

[Lunares]

State farms is a phone app which tracks you lol

 

[tvad]

You don't have the State Farm chip implant?

 

[jdcollins5]

You dont find it strange to allow your insurance company to track how you drive?

I do not have a problem with it. I have been doing it for a few years now. It is worth it for the discount.

 

[jdcollins5]

i think after a certain time period you take off the obd2 sensor thing. at least thats how progressvie was when my wife did it, after she took it off it was back to normal driving habits

State Farm discounts for 6 months at a time.

 

[jdcollins5]

No OBD port for those insurance company tracking devices.

Bluetooth device.

 

[Octo]

It’s because hitting a few plastic barrels results in a $25k repair bill and 41 hours of paint labor charges.

 

[CravenRx]

I have it.. think I’m save some but not nearly as much as I was on my Audi. They don’t like rapid acceleration... and that hurts my grade a lot!

 

[TeeEmCee]

I do not have a problem with it. I have been doing it for a few years now. It is worth it for the discount.

That’s how it begins ...

 

[mchawk]

I had it for a while and dropped it before I bought my Model 3. I knew I'd be flying around a lot and it's not worth their crappy app having a constant GPS and BTLE connection for a 5% discount.

 

[jdcollins5]

I have it.. think I’m save some but not nearly as much as I was on my Audi. They don’t like rapid acceleration... and that hurts my grade a lot!

Yea, I get dinged for acceleration every now and then

 

[afadeev]

You don't have the State Farm chip implant?

It's not an implant anymore, the latest model is a butt-plug !

a

P.S.: Also provides dietary recommendations!

 

[Phlier]

P.S.: Also provides dietary recommendations!

Do they give you an additional discount for every salad that you eat?

 

[Ejl80]

It’s because hitting a few plastic barrels results in a $25k repair bill and 41 hours of paint labor charges.

Isn’t that just to fix the crappy factory paint job?

 

[Ejl80]

I do not have a problem with it. I have been doing it for a few years now. It is worth it for the discount.

Even a 100% car insurance discount isn’t worth that. A 30% discount is like 300 bucks a year. I wouldn’t let someone pay me 300 a year to track me.

 

[TeeEmCee]

Even a 100% car insurance discount isn’t worth that. A 30% discount is like 300 bucks a year. I wouldn’t let someone pay me 300 a year to track me.

Wait, didn't y'all here pay Tesla some $50K+ to track you or was it just me?

 

[Trips]

I threw my tracker out the window as it caused me to get a speeding ticket. I came up to an unexpected speed change from 45 to 25 and slowly slowed to not lose a point for had breaking. Well I was at 41 just after the sign and got a ticket for trying to drive safe.