$106 dollars a year. Cool! Unfortunately, my cold harsh reality is I can expect to maybe qualify for a $77 annual discount.
StateFarm receives mileage data from the OnStar service. Assuming my car is OnStar equipped (it is) and I already subscribe (I don't) I'm good to go. Sign me up, right? The least expensive rate for OnStar requires a 3 year commitment costing $166 annually. Woops! I can save $77 a year on insurance by spending $166 a year for OnStar?
Let's say I already shell out $166 a year for OnStar, enjoying all their services and diagnostics and what nots. That would seem to make sense right? I already have OnStar, I already enjoy it. Now I'm getting $77 bucks back for my auto insurance because of it.
Win win win, right?
Not so fast. As I decrease my driving I'm far less likely to need automatic crash response, emergency services, hands-free calling, roadside assistance, remote services and vehicle diagnostics. So the value I get from my OnStar service decreases as I get more I get from my discount.
I have a solution!
StateFarm should get my mileage from the NSA. They likely have that information through my cell phone anyway. I think it's about time the NSA gives me something back!