Since I signed up for the Progressive MyRate program in August, the little device has been plugged into the Subaru's diagnostic port recording our every move. Today for the first time I uploaded all the data to see what happened, and was really surprised.
First, at this rate we will get 15.7% off our next round of insurance, or about $80. Second, oh the data! The image on the right is the trip home from Valley Grove this weekend. Note the cruise control. You also get to see your number of trips, trip time, average risk level by time, driving time by day/week, average time spent at various speeds, millage, and sudden starts and stops - for every trip. Then it compares your data to the average myrate user, or to a demographic group (see 21-29 year olds at the bottom). Turns out we are actually safe drivers!
Progressive says they don't use the sudden start stop data for your rate though, that is for your own information (and to stalk your kids). The rate itself is based on your millage and what time you drive. They say that the most dangerous time to drive is from 12 am to 4 am, followed by rush hr/night time(4am-9am, 3pm-6m, 9pm-12am), then the rest is low risk.
So, I we get to save money, and get some cool information about when and how we drive. I like it!