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Car Insurance Rise of Black Box

Car Insurance rise of black box important points to know

Car insurance companies have always sought ways to maximize profits by minimizing risk. An insurance company can make more money by paying more premiums than a benefit.

Because it is difficult to raise premiums in a competitive market, reducing risk is the easiest way to generate revenue. It is much easier to make money if insurance companies do not compete with each other.

What they have to do is to calculate the amount to pay for  car insurance claim based on their history, add the profit margin, divide by the number of policyholders, and leave clean profits in the insurance company.

Sadly – if you are an insurance company anyway – there is competition. More complicated is a strict state regulation that allows consumers to get paid, including paying legitimate charges.


As a result, car insurance companies leave only the option to maintain competitive advantage and profitability at the same time. It is more effective to assess the risk and bill it than others.

Calculated car insurance risk

Car insurance companies have sought better ways to calculate the risk since the invention of the car. For decades, however, auto insurance companies have applied customer premiums for a number of factors, including age and gender of the driver, manufacturer and model of the car, and the driver’s record.

An underwriter, an underwriter used by an insurer to calculate auto premiums, uses past experience (claims) for various conditions to generate estimates of what to expect from a new customer.

Because each insurer uses its own formula to calculate the price, the price varies from company to company. But generally they all start on the same basis.

Age Young drivers start with experience for a variety of reasons and pay higher premiums than older drivers. As with any other, the more you practice something, the better you will be.

This is why experienced drivers reduce accidents. Young drivers tend to take more risks than older drivers, especially younger men.

Gender Men are more aggressive drivers than women. Men tend to drive faster and take more risks than women. With all the same things in the same situation, male drivers are faster and more braked than women.

The nature of this aggressive driving not only causes an accident but also increases the risk of damage.

Modeling and Modeling

Driving cars affect premiums in two ways. The first is about the size of the potential claims. This is because the more expensive the car, the more expensive it is to repair the damaged car.

The second is related to how the car moves.

A sports car like My Mustang 5.0 is much faster than his wife Honda. The combination of age and gender of the driver means that an accident can happen at a faster rate and can cause more damage to property and people.

Driving record best indicator of future performance is past performance. This is the logic used to predict which team is preferred in the game and how someone will move in the future.

In other words, if you have an accident that is at least partially in your own fault, you are more likely to have another accident. The same goes for traffic violations such as speeding or red. If you’ve done it before, you’re likely to do it again, which increases your risk.

Credit score Over the past decade

More and more insurance companies have started using credit scores as one of the factors they use to determine auto premiums.

It is unclear whether the concept was initiated by an insurance company looking for a competitive advantage, or by a credit bureau to boost sales.

Car insurance companies do not see the full credit report. They are interested only in the 3-digit FICO score on the 300 to 850 scale.

The premise is that your credit score represents your responsibility. The higher the score, the greater the sense of responsibility.

They believe that those who pay their bills on time have more responsibility than people with lower scores and raise fewer or fewer claims.

Companies that use credit scores are convinced that the theory is right.

Tickets and minor accidents and drivers with high FICO scores can pay at a lower rate than those with low credit scores and clean driving records.

Pay As You Go

There can be three parts of a car insurance policy with two responsibilities and conflicts – usually your car needs to go to generate claims.

You are liable for damages caused to other cars, property or people if you make a mistake. Crashes will compensate your car damage regardless of their defects.

Insurance companies always admit that the fewer drivers are, the less likely they are to have liability or collision claims.

An insurance company that has worked hard to find a way to attract less drivers (less drivers) has begun to offer salaries based on driving limits.

Take John and Philip, 32 identical twins. They drive the same car and model car, the driving record is neat and the credit score is the same. They share the same insurance company.

The only difference is that John is paying about 15% of his brother for the same brother. John is about 8,000 miles a year on his car while Philip travels at least 15,000 miles a year.

Pay-as-you-go, mileage-based rates are still available from a handful of companies, but have transformed more.

Telemetry as a middle-aged person driving a very fast car very quickly, I sometimes feel like I’m flying a fighter. And the only thing missing is a black box.

Aircraft black boxes record information such as altitude, speed, and navigation headings. When approaching after a plane crash, the black box gives the investigator a clue as to what went wrong.

This information contributes to changes in aircraft design or pilot training that are implemented to secure future air travel.

A telemetry device is an automobile equivalent to an aircraft’s black box

This handy device is not new at all. Most cars built over the last five years are equipped with a black box of the same size as a two pack cigarette pack.

They are activated if you brake hard and are part of your car airbag system. They record information from when you step on the brakes. Measures speed, deceleration rate, and impact occurrence.

The information they contain may be the first to enter the court as part of a class action against General Motors.

Over the last few decades, parents of newly released teens have had the ability to install real black boxes in family cars. They are a way to make sure young drivers obey the rules.

The unit monitors acceleration, deceleration, average speed, top speed and cornering. They use GPS to track where and when they are driving.

Some models alert young drivers to warn of bad habits.

The warning system reminds junior not only to be slow but also to watch him.

If the insurer responded to competitive pressures and paid premiums and the initial salary was successful, we began offering Black Box technology to our customers.

Customers are car insurance advised to install devices that promise a discount of up to 50%. The most aggressive sales are Progressive’s Snapshot.

All devices are connected to the port on the steering column of the car. Snapshots keep track of the frequency of hard drives, the number of miles you drive daily, and how often you drive between midnight and 4 am.


Some snapshot devices use GPS to track their location. Progressive says it is used for research purposes only.

Progressive is not just marketing telemetry to its customers

Travel insurance IntelliDrive and State Farm’s In-Drive are making great strides at affordable prices just like everyone else.

In-Drive tracks braking, acceleration, rotation, time and velocity over 80 mph. The IntelliDrive records braking and acceleration, average speed, and records the time and location the car travels using GPS.

In order to encourage customers to join the device, the car insurance company offers up to 15% off the gate and blocks the road more precisely.

Subscription discounts are not permanent. The initial discount is held between 30 days and 6 months, at which point the permanent renewal rate is set.

Permanent charges are based on data collected by the monitoring device. Discounts can still be monitored by plug-in modules. Each system allows customers to monitor their performance while viewing online statistics about their driving experience.

Some even provide email notifications of changes or unusual behavior. Some users market their monitoring and reporting capabilities to give you a way to kill two birds with one stone. That is, to reduce premiums and monitor young drivers.

So far, all companies that have introduced telemetry devices have insisted that customers will not be charged higher premiums if their devices show bad habits.

Insurers argue that the worst-case scenario for consumers will not receive a discount. But if history is any guideline, it may be a matter of time until the insurer changes their minds.

Also, it may not take long before the device is in need of coverage. Customers can be assessed for driving habits and can be fined or penalized at higher rates as a way to improve the car insurance industry’s revenues.

Big brother

Since 1970 s, consumers have become more comfortable with behavior-based pricing. They are also accustomed to companies that are familiar with their own consumption habits. Credit card companies apply consumer interest rates to credit reports.

These are more than transcripts of past behavior. Credit card issuers can also use marketing habits to predict who is interested in marketing and allow “partners” to price. In other words, we sell our information personally or in the form of metadata.

Some of your telemetry devices already have GPS built in.

Progressive says that some devices have GPS, but the information they collect is not used to determine rates. State Farm is taking a similar position on GPS functionality, saying that the collected information “helps ensure safety and security.”

Travelers aggressively sell Intelligent Drive’s GPS tracking capabilities as a positive feature for teens’ parents. Not only how their cars are driven, where.

Privacy advocates ask how long car insurance company will be before it can fully exploit information that is potentially worth billions of dollars.

Value can not be calculated regardless of whether the collected information is sold based on an individual’s behavior or packaged in metadata.

Marketers can combine spending habits and other information gathered from credit card companies and credit bureaus to further refine their demographic data so they can get information about their daily work anytime, anywhere.

This information can be used to send mail and emails according to our habits in next-generation roadside ads tailored to different commuters at different times of the day.

1 Comment

  • Mohammad reza parsayan says:

    I wish Iran also came in peace

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