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

Facts matter: Sign up for the free Mother Jones Daily newsletter. Support our nonprofit reporting. Subscribe to our print magazine.

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.

REAL QUICK, REAL URGENT

Minority rule, corruption, disinformation, attacks on those who dare tell the truth: There is a direct line from what's happening in Russia and Ukraine to what's happening here at home. And that's what MoJo's Monika Bauerlein writes about in "Their Fight Is Our Fight" to unpack the information war we find ourselves in and share a few examples to show why the power of independent, reader-supported journalism is such a threat to authoritarians.

Corrupt leaders the world over can (and will) try to shut down the truth, but when the truth has millions of people on its side, you can't keep it down for good. And there's no more powerful or urgent argument for your support of Mother Jones' journalism right now than that. We need to raise about $450,000 to hit our online fundraising budget in these next few months, so please read more from Monika and pitch in if you can.

payment methods

REAL QUICK, REAL URGENT

Minority rule, corruption, disinformation, attacks on those who dare tell the truth: There is a direct line from what's happening in Russia and Ukraine to what's happening here at home. And that's what MoJo's Monika Bauerlein writes about in "Their Fight Is Our Fight" to unpack the information war we find ourselves in and share a few examples to show why the power of independent, reader-supported journalism is such a threat to authoritarians.

Corrupt leaders the world over can (and will) try to shut down the truth, but when the truth has millions of people on its side, you can't keep it down for good. And there's no more powerful or urgent argument for your support of Mother Jones' journalism right now than that. We need to raise about $450,000 to hit our online fundraising budget in these next few months, so please read more from Monika and pitch in if you can.

payment methods

We Recommend

Latest

Sign up for our free newsletter

Subscribe to the Mother Jones Daily to have our top stories delivered directly to your inbox.

Get our award-winning magazine

Save big on a full year of investigations, ideas, and insights.

Subscribe

Support our journalism

Help Mother Jones' reporters dig deep with a tax-deductible donation.

Donate