motoguy128 wrote:I'd support this. I think frequent hard braking, rapid acceleration, and traveling for extended periods over 85mph, are good indicators of a driver that uses less caution than the average. It however doesn't say if you've pulled out in front of other cars, made wrechless lane changes, or are a tailgater. Although frequency of brake use would indicate tailgating.
I often drive 5-10mph over the speed limit over the last 5 years since college, I've matured and don't tailgate, brake aggressively, or aggressively change lanes.
I don't think I agree 100% with the part about hard breaking. If someone is tailgating me, I've been known to stop the breaks to give them the hint not to ride my rear. Although I must admit I don't do that in the new Versa cause I'm afraid they might hit me. LOL I wouldn't have minded if they had hit the old car, but not the new one :-)
Besides, what if you live in those areas where Deer frequently run out in front of you on the side roads? (My parents see them every evening they're driving in WV) I wouldn't want the insurance company to think they're a bad driver just because they have to hit the breaks more often than someone else. Frequency of brake use not not necessarily dictate bad driving habits.
I think the insurance companies already have a good measure of your driving habits: 1) tickets 2) accident reports/claims. If you have any of either, they usually punish you with increased premiums. What if I happen to be someone who frequently drives fast, breaks hard, but has never had a speeding ticket or accident? Do you really think that's fair to charge me *more* for my insurance that I've never had to actually use to pay for an accident? I think not.
We all have witnessed what we would consider bad divers, but I do not feel the information gathered by one of these devices would be a fair estimate of someone's driving abilities in all instances. And since it can't be 100%, it shouldn't be a metric used for insurance rates. Let them stick with what they already have.