When your teenager finally passes their driving test and drops that learner’s permit for a real Texas driver’s license, your first instinct might be to download a family tracking app. Life360 is a fantastic tool. It keeps families and loved ones connected while they are on the road. However, you might not realize that the app collects highly detailed driving data. Furthermore, data brokers sell this information, and insurers use it to calculate your car insurance rates.
If you are the perfect driver, this tracking might not hurt your premium. From the car insurance company’s standpoint, the “perfect driver” makes no hard stops, avoids rapid acceleration, and stays off the road during late-night hours or heavy rush hour traffic. In that case, your car insurance rates might even drop.
However, very few people drive perfectly every single day. Day to day driving conditions are recorded by the app. If you brake hard to avoid an obstacle or speed up to merge, the app retains that information. This data is shared with data brokers who may sell it to insurance companies.. As a result, the car insurance company may use this information to increase your premiums.
Don’t Share Your Data with Car Insurance Companies
Thankfully, you can take control of your digital privacy. You can quickly remove the data tracking feature from your Life360 app. Just follow these simple steps on your smartphone:
- Open your Life360 app.
- Tap the “Settings” gear icon.
- Choose “Privacy & Security.”
- Tap on “Do Not Sell My Personal Information.”
- Turn off the “Personal Information Sales” toggle switch.
By doing this, you keep your daily driving habits private and prevent third-party companies from building a risk profile on your family.
Why You Need a Local Independent Car Insurance Agent
Navigating modern privacy policies and rising premiums can feel incredibly overwhelming. Therefore, you should talk to a local expert instead of dealing with giant corporations alone.
An independent insurance agent like AlphaSure Affordable Insurance Services can help you shop for both car insurance and home insurance easily. Because they operate local offices right here in San Antonio and Laredo, they help with the car insurance needs of Texas drivers. They shop around and compare rates from many different carriers to find you the best prices. You do not have to fight high premiums by yourself—let a trusted local professional do the hard work for you.
