Originally Posted by Craig B
I also have State Farm and they offered me the same deal, no thanks...
I won't try to talk you into it, but here are the facts about our initial experience:
1. As soon as we signed up for this program, our premium was reduced 5%. As we were due to renew our premium at the end of this month, we received a new statement that was indeed reduced 5% so we realized that discount before paying the bill.
2. Data from the In-Drive connector is accumulated continually, even when the vehicle is parked and the engine is off so it is traceable with the vehicle locked, e.g., on a flat-bed tow truck.
3. Analysis of driving data could result in as much as a 50% discount on our premium. That remains to be seen, but that would be over $500 per year ... not an insignificant savings ... if realized.
4. There is no cost that I can determine for at least a full year, then State Farm offers to continue the program for a monthly fee. My presumption is that within a year we will realize a significant savings based on our driving and decline the service after the first year.
There are a few disadvantages ... besides the obvious attempt to upsell subscription services and the monthly fee after the first year:
1. The In-Drive connector draws power continually ... it is warm to the touch all the time. That could be a problem in a marginal cold start situation with a weak battery.
2. A clever thief could break into the vehicle, discard the In-Drive connector and steal the vehicle on a flat-bed tow truck without starting the engine, which would obviate the security features.
3. Twice a year we need to remember to remove the In-Drive connector when our GX goes in for service!
I'll update this thread over the coming year after driving data is accumulated and discounts are realized.