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Could I choose to have a device that lowers the maximum in exchange for lower insurance rates? I've never seen the point in speeding





You sort of can, the OBD port dongles offered by some insurance providers take things like braking and acceleration into account to determine rates

This product doesn't exist because it isn't actually correlated with claims paid out.

For the average insured hitting stuff at 100+mph is hidden in the sub basement archives of long tail risk. It happens so rarely insurers don't feel a need to address it specifically.




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