You Can Save Money if You Let Yourself Be Monitored at All Times

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Tyler Cowen flags an article today about Young Marmalade, “the UK’s young driver specialist,” which offers Britain’s youth a discount on their auto insurance if they install a black box in their car that allows their driving habits to be monitored. Apparently you also have to buy your car from Young Marmalade, and it has to be a low-powered car, but it’s the black box that’s new.

Though not as new as you might think. I’ve been watching commercials for over a year touting the “Snapshot” program from Progressive Insurance, and it’s pretty much the same thing. You get a black box from Progressive, plug it into your car’s diagnostic port, and they track your driving habits. If you drive safely, you get a discount. If you don’t drive safely — well, they say that nothing will happen at all. You’ll just keep paying your usual rate. I have no idea if that’s true in real life.

In any case, the whole thing is fairly crude, tracking only enough information to determine how many miles you drive and how often you make sudden stops. No GPS, no information about exceeding the speed limit, or anything like that. Just sudden stops. But how private is this information?

We won’t share Snapshot data with a third party unless it’s required to service your insurance policy, prevent fraud, perform research or comply with the law. We also won’t use Snapshot data to resolve a claim unless you or the registered vehicle owner gives us permission.

That actually seems like a pretty broad exemption, so your driving habits might not be quite as closely held as you’d like. And I wouldn’t be surprised if future black boxes get more sophisticated about the amount of information they collect. On the bright side, you can get a 30% discount on your insurance rate! When you consider that most of us are willing to turn over practically our entire private lives to online companies in return for a free song from the iTunes store, that’s probably pretty enticing. Welcome to the future.

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SIX TRUTHS

Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

Truth #4: When we go to work, we're in the fight.

Truth #5: It's about minority rule.

Truth #6: The only thing that can save us is…us.

Please take a moment to see how all these truths add up, because what happens in the weeks and months ahead will reverberate for at least a generation and we better be prepared.

And if you think journalism like Mother Jones'—that calls it like it is, that will never acquiesce to power, that looks where others don't—can help guide us through this historic, high-stakes moment, and you're able to right now, please help us reach our $350,000 goal by October 31 with a donation today. It's all hands on deck for democracy.

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