Initial discount of 25%, which has already been applied. My projected discount at renewal is 28% so far, (only racked up 7 hard stops and no high risk driving time) but I feel my overall driving is actually less safe. I take turns faster, and always try to coast instead of brake to avoid dumbshit drivers who cannot comprehend right of way. Have come really close to a car that was opposite me turning left in my path. How much I drive fluctuates quite a bit, and they definitely caught me at a low time. Right now my weekly average is 15.92 miles, but I am pretty sure the ratio of hard stops to mileage is more important than average miles driven. Anyone else using this thing, and if so has it actually changed your driving habits? Update: So I discovered something interesting about this device today. My car wouldn't start the other day so on a whim I disconnected it but it still didn't start. I then dis/reconnected the battery and it did start and drove normal for a while and then died a couple times on the test drive, on the third restart it threw a CEL. Died one more time and still restarted, CEL again. I got home and plugged in the device and it no longer started, unplugged device, still not starting. I then did the battery connection again with the same results as above. Today I did this test for a third time and pretty much confirmed the device does not like CELs. My OBDII code reader is still on the way, so I don't know exactly what code I am dealing with yet, too nervous to drive it to a parts store with it dying so often on quick test drives. In any event I think it is a pretty critical CEL, although it doesn't seem to be on any kind of base maps or limp home mode.