I kept a 99 for driving score including 3000 miles of highway driving and a week dealing with Vegas traffic to get my FSD. it was rough but totally possible.

I think the late night driving metic is total crap though.

What about people who work at night? In my book driving at night is safer because there are far fewer drivers and many of the idiots are off the streets.

[–] [email protected] 2 points 9 months ago* (last edited 9 months ago) (1 children)

Are there more inebriated drivers at night or is the ratio to fully functioning drivers just skewed at night? Wondering what they’re actually basing that on… Would suck to get a higher insurance bill because of a late night trip to the ER.

[–] Nogami 1 points 8 months ago

No idea. Around here in the daytime people are aggressive jerks when driving and at night there’s less traffic and people are more mellow.

[–] [email protected] 2 points 8 months ago

In our area driving at night brings a statistically higher chance of wildlife-involved accidents. If you told your insurance company you worked straight nights, I'm pretty sure they would jack it up. That's why you don't necessarily disclose that, the only questions I've ever been asked about work, is what distance it was that I was driving daily. Always just left it at that, even when I did work nights many many many years ago.

[–] [email protected] 2 points 8 months ago

They can shove their safety score up their ass. I paid $70k for the car, I'll drive it how I want to, and more importantly, when I want to.

I won't let my insurance get access to my driving metrics. They asked me again on renewal, offering a "discount." I'm actually a fairly vanilla driver, I work from home, 25+ years of driving experience with no accidents and one minor speeding ticket back in like 2006. This is still my line in the sand though, nevertheless. If I go buy something on Facebook marketplace for example, and it's in a rougher neighbourhood, I don't think my 10 minutes of being in that area should affect my premiums. Or if I go get ice cream at midnight, because I'm craving ice cream, what's the entire point of owning a vehicle if I can't do that without negative consequences? Again, I paid $70 freaking thousand dollars, like go pound sand.

Super glad I didn't cough up extra money for FSD. Just another reason it's a scam.