get any savings from it. Not only that, but it also incentivized bad driving habits. I found myself blowing through late yellow lights because I didn't want the hard stop to ding me. We got dinged every day driving to early morning seminary because it was considered a night hour.

I now have Allstate and they keep trying me to get their app that does the same thing and I haven't done it yet - plus now that it's a phone app you have to worry about battery drain on your phone from something running all the time.