2022年10月6日

您現在可以收聽《保險雜誌》的文章!Policygenius的一項年度調查顯示，盡管通貨膨脹和成本上升，但大多數美國人寧願為保險支付更多費用，也不願使用數據監控設備。調查發現，68%的美國消費者表示，他們不會為任何保險折扣金額安裝收集駕駛行為或位置數據的應用程序，這一比例在2021年為58%。在那些願意下載數據收集應用程序的人當中，67%的人表示，他們隻有在費率降低一半以上的情況下才會下載。同樣，65%的受訪者表示，安裝智能家居設備不值得打折。比如門鈴攝像頭、水浸傳感器或智能恒溫器——如果這些設備與保險公司共享數據，2021年這一比例為57%。其他調查結果:68%的受訪者不會為任何保險折扣金額安裝實時儀表盤攝像頭。在那些表示會安裝行車記錄儀的受訪者中，74%的人隻有在賬單至少減半的情況下才會這麼做。77%的受訪者不會為任何家庭或租戶的保險折扣金額安裝與第三方共享麵部識別數據的智能門鈴攝像頭，這一比例較2021年的67%有所上升。在23%願意安裝智能門鈴攝像頭的人當中，68%的人隻有在家庭保險費用至少減半的情況下才會這麼做。 Of the 35% of homeowners and renters willing to install smart home devices for insurance discounts, 69% would only do it for a discount of half their bill or more. “Although policyholders can often get lower insurance rates by agreeing to share personal information about their daily activities with their insurance providers, it’s clear consumers are overwhelmingly uncomfortable allowing data-sharing devices into their everyday lives,” Andrew Hurst, licensed property and casualty insurance expert at Policygenius, said in a statement. “For consumers who are seeking a way to reduce their costs without sharing their data, shopping the market with an independent broker continues to be an excellent way to save on insurance.” About the Survey: Policygenius commissioned Google Surveys to poll a nationally representative sample of 1,500 home, auto, or renters insurance policyholders aged 25 and older, from July 18, 2022 to Aug. 10, 2022. The average margin of error for 2022 responses is +/- 5.5%. For 2021 data, it is +/- 3.2%. You can see more data and the full methodology in the Policygenius 2022 Home & Auto Insurance Technology Survey .