OnStar Insurance Integration To Be Offered On 2023 Cadillac Lyriq8
General Motors’ new OnStar Insurance service will be available to 2023 Cadillac Lyriq customers, offering an integrated, data-driven insurance solution.
During the recent GM Investor Day event, vice president of Global Innovation Pam Fletcher announced that the upcoming all-electric luxury crossover will herald the broader distribution of GM’s latest new OnStar Insurance program.
“You will begin to see our vision for an integrated insurance solution come to life starting with the launch of the Cadillac Lyriq,” Fletcher said.
For the moment, OnStart Insurance is available in 38 states throughout the U.S., a feat accomplished in just 10 months. As GM Authority covered previously, the service will be available in all 50 U.S. states by early 2022, making for one of the “fastest nationwide rollouts of an auto insurance product.”
The OnStar Insurance program differs from other insurance programs as it leverages General Motor’s integrated data collection to reward drivers for safe driving habits. Using embedded vehicle technology, OnStar Insurance is able to track vehicle usage, offering discounts and incentives where appropriate, and providing contextual data points that can more accurately assess potential risk factors. Additionally, the program can provide incentives to customers who choose to equip certain safety technology features and packages.
The new OnStar Insurance program is part of the broader GM Ecosystem, which allows for seamless integration among a variety of General Motors customer experience elements, such as vehicle purchase, vehicle service, and general vehicle ownership.
As a reminder, the 2023 Cadillac Lyriq is the first all-electric vehicle from the luxury marque, spearheading Cadillac’s transition into an all-electric brand. The Lyriq utilizes a number of cutting-edge technologies and features, including GM’s Ultium battery platform and Ultium Drive motor technology. Under the skin, the Lyriq rides on the BEV3 all-electric vehicle platform. Deliveries are expected to ramp up in the first half of the 2022 calendar year.
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So you can see your insurance rates ticking up every second you drive after midnight, and when you take a short highway exit, watch those dollars fly.
does the insurance rate go up or down when super cruise takes over? it would be funny if it went up.
“…….leverages General Motor’s integrated data collection to reward drivers for safe driving habits. Using embedded vehicle technology….”
“Mr. Orwell. Mr. George Orwell. You have a call on line 1….”
Does it come with fire insurance
I am always surprised at the number of these programs. How does this ever come out cheaper for the customer? My multi-line discount would go away as would my multi-car. Insurance companies are not dumb. The tie together home/auto to make it difficult to use multiple carriers.
By offering even lower rates. The idea is that when its time to buy a new car, it adds a barrier to buying a non-GM vehicle, and therefore GM can subsidize insurance from the profits on a new car. Cross-marketing, by pushing new cars in your insurance bill, also lowers cost.
Also, they do insure non-OnStar/GM vehicles. Not everybody owns a home, and on top of that, the insurance carrier behind this is a home insurer (Homesite), so nothing prevents cross-selling and bundling. (Another example: Geico doesn’t have homeowner’s/renter’s, but rather acts as an agent and resells other companies’)
As GM evolves into the all-electric and mostly cross-over SUV era I would love to see a hand-full of ICE performance Cross-over SUV’s. Cadillac has built a number of RWD performance sedans as well as the FWD/AWD based 410HP XTS V-Sport. I own a CTS V-Sport and will not give it up for a low performance GM Cross-over SUV. Further, there are several manufacturers already producing, mostly rear biased, performance Cross-over SUV’s that are loved by their owners and all those magazines who test them. With the Blackwing Swan Songs what about a XT4, 5 or 6 Blackwing, Buick Envision or Encore Grand Sport, GMC Acadia Syclone or Chevrolet Traverse SS. Without too much effort GM could easily build an AWD 450+/-HP TT V-6 Cross-over SUVs that could rattle a few Audi, BMW, M-B+++ chains. As us old-guys slowly give up our go-fast sedans give us some go-fast ICE powered XSUVs with a good burble. Yes, the Teslas will stomp us but they have no soul.
Mkavt hit it right on the head. I am 30 years in insurance business. Unless GM jumps into homeowners insurance this approach has a very limited appeal.