Insurance companies have started to use driving data to know more about you and your car situation. So if you drive a lot each month your premium could go up. On the other hand if you drive little it could go down.

This is called Usage-Based insurance and it is the new way Insurance companies can bear down on you! Companies do not make new policies to lose money. This will be a money making venture.

They can ( on some cars) get speed, miles, acceleration, sudden stops, impacts, etc.

Get ready to pay!!!!

http://en.wikipedia.org/wiki/Usage-based_insurance

Usage based insurance, also known as pay as you drive (PAYD) and mile-based auto insurance is a type of automobile insurance whereby the costs of motor insurance are dependent upon type of vehicle used, measured against Time, Distance and Place.

This differs from traditional insurance, which attempts to differentiate and reward "safe" drivers, giving them lower premiums and/or a no-claims bonus. However, conventional differentiation is a reflection of past history rather than present patterns of behaviour. This means that it may take a long time before safer (or more reckless) patterns of driving and changes in lifestyle feed through into premiums.

Of course they do. I know the company i'm with (which is Progressive) gives you the option to use a device given by them that hooks up to your car and gives them your driving information to see how safe of a driver you are. And if you drive safe whilst having that hooked up you get a discount on your premium.

But really I wish we didn't have to have car insurance. That would save me so much money at this time.

of course it would save money in the short term! But people would sue and sue often!

I love progressive commercials, but that device sounds crazy. i have USAA so my insurance is great I guess. They have the best customer service in the country supposedly out of any company according to reuters or something like that.

Wow so its soon time to get the lube ready and bend over.

When will this bull shit end? Insurance needs to be optional, its fucking bullshit that the government forces us to have it. This is why we need a guy like Ron Paul who would probably get rid of mandatory car insurance (just an assumption based on his platform/beliefs).

Car insurance is such a fucking scam. You pay a fuck-ton of money for insurance each year but then if you ever actually need to use your insurance to pay for damages then you're premiums skyrocket. My current rates are $3500/year (19 year old male) and a couple months ago I got in an accident and put $4500 worth of damage on my car. I could have had insurance cover it and save myself $4500...but then my rates would have jumped to $6000/year on a $12,000 car (I called them and asked what would happen if I was to hypothetically get in an accident). This increased rate would last 5 years before it could go down again. So I'd save $4500 but over 5 years I'd lose $10,000 in the difference (a net loss of $5,500). What kind of shit is that?

So I've paid probably close to $15,000 in my life in insurance (2 years as sole owner of my car, almost 2 years under my parents insurance) which is basically down the drain, and when I finally need the insurance I find out they'll cover the damage, but double my rates. What a fucking scam. And you can't not have insurance or else you get a ticket and probably get your license taken away.

When is the government going to let us actually control our own lives and decide if we want insurance or not? I think they just know that if they ended the allowed us to not have insurance that every single insurance company in Canada would go out of business because nobody will pay that bullshit.

Edit: Double Post

Wow man it's time to change insurance companies. I pay about 1200 a year on a 2001 Mitsubishi Mirage. And they've never raised my premium even though I was involved in an accident (not at fault though) and I got all the money I've ever payed into car insurance back and then some because of that accident (seriously get a lawyer if you get into a car accident)

Although I only have the most basic car insurance.

I knew it was only a matter of time.

Well I use to spend 14,000 miles a year driving to and from work and now I only drive about 3,000 or so miles a year in total so this would probably actually save money. I spend $1000 a year in car insurance (full coverage except car rental) so any savings would help. I actually spend more on car insurance now then gas!!!

its not about controlling your life.  you need insurance in case you fuck up someone elses. 

I'd rather just pay out of pocket to fix the other guy's car, then pay $3500/year and never get anything out of that money. 

Wow I wish I only paid $1200/year. Mine's a 2008 Chevrolet Cobalt LT (not even the faster SS version) and mine's $3500. 

I'll get a discount once I'm 21 years old but it's damn high right now.