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I think the insurance company would get very suspicious if you never used your car. Also with no data, you'd get no benefit for showing you're a safe driver. I

I think the insurance company would get very suspicious if you never used your car. Also with no data, you'd get no benefit for showing you're a safe driver. In theory, you could maybe reduce your rate by only taking this second phone with you only sometimes on a regular, but lesser schedule than you actually drive. (So they see regular, consistent usage, but not nothing, and not as much as you actually drive) And avoid taking that second phone when you're doing more risky driving, like night driving. But that's honestly a major pain for likely very little monetary gain. And if you screw up, they could just straight up blacklist you, or skyrocket your rates. It's just not worth it.

thfuran 3y ago
>you'd get no benefit for showing you're a safe driver. But is that actually how it works or are they discounting for the absence of evidence of being an unsafe driver?
- Night_Thastus 3y ago
  They look at how you drive. How far you drive, how often you drive, when you drive, how quickly you brake/accelerate, how often you're on your phone, etc. Based on all those factors - they give you a discount relative to what they'd charge normally. I can say that's true because their rate was already less than competitors, so it's not like they were charging a higher rate and then 'discounting' back to normal.