Connected vehicle systems, like GM’s OnStar, can track and store data about your driving habits and vehicle use. This information, while useful for emergency situations and vehicle diagnostics, can also be viewed as invasive if shared without explicit consent. 

If you keep up with the news, you’ve likely heard about the recent lawsuit against OnStar and LexisNexis. Naturally, this suit has led to questions across the industry regarding how driving data might influence insurance premiums. At Rockingham Insurance, we recognize the importance of privacy and transparency, and we want to assure you that we do not use connected vehicle data, including data collected by systems like OnStar, to determine the rates for your auto insurance premiums.

Our Stance on Privacy and Data Use

Connected vehicle systems, like GM’s OnStar, can track and store data about your driving habits and vehicle use. This information, while useful for emergency situations and vehicle diagnostics, can also be viewed as invasive if shared without explicit consent. 

Unlike the scenarios described in news reports, our company does not utilize connected vehicle data from systems such as OnStar or from vehicle manufacturers to set insurance rates. Our goal is to ensure that your personal information remains private and that your insurance premiums are fair and transparently calculated based on standard factors, without resorting to unauthorized data collection practices.

How We Determine Your Premiums

1. Vehicle Information: We consider factors such as your car’s make, model, and age, which can influence repair costs and safety performance.
2. Driving History: Your driving record is a critical factor. Incidents such as accidents or traffic violations can indicate a higher risk, which might affect your premium.
3. Usage: How often and how far you drive also play roles in determining your rates. Frequent usage can increase the likelihood of accidents, thus potentially increasing premiums.
4. Location: Where you live can affect your insurance costs due to factors like theft rates, population density, and the likelihood of accidents.

At Rockingham Insurance, your privacy is our priority. We understand the value of your peace of mind and work tirelessly to protect it.

If you have any questions about our data use policies or need further information on how we determine insurance premiums, please contact your trusted Rockingham Insurance agent today. Our team is here to provide clarity and support.