Bundling’s always hyped up, but I’ve run the numbers and sometimes it’s just smoke and mirrors. Anyone else notice that? And telematics in Alaska… yeah, I’d rather not have my rates depend on dodging wildlife and black ice. Defensive driving discounts are nice, but barely cover a coffee these days. Has anyone actually seen a big drop from any of these “tricks,” or is it all just small potatoes?
Bundling’s always hyped up, but I’ve run the numbers and sometimes it’s just smoke and mirrors.
I get where you’re coming from, but I actually did see a decent drop when I bundled home and auto—maybe it’s just certain companies or timing. As for telematics, yeah, Alaska’s roads make those apps feel like a gamble. Still, I know a neighbor who swears by his safe driver app, says it knocked off 15%. Maybe it’s luck, or maybe he just never leaves Anchorage in winter...
Yeah, I hear you on the bundling thing. Sometimes it feels like the “discount” is just them shuffling numbers around. I tried the safe driver app last year—let’s just say potholes and moose dodges didn’t help my score much. Honestly, I think a lot depends on who you’re insured with and if you’re mostly city driving. Props to your neighbor for making it work, though. Maybe I just need to chill out and stop taking the backroads so much...
let’s just say potholes and moose dodges didn’t help my score much
Haha, I feel that. My safe driver app basically thinks I’m rally racing every time I swerve for a squirrel or hit a frost heave. Does anyone actually get the “perfect” score with those things? Also, does bundling ever really save money up here, or is it just another way to get you locked in? I tried getting quotes with like, three different companies and they all acted like I was asking for trade secrets. Maybe city drivers have it easier, but out here, even the moose don’t follow the rules...
My safe driver app basically thinks I’m rally racing every time I swerve for a squirrel or hit a frost heave.
Man, those apps are brutal. Mine dings me for “hard braking” every time I avoid a pothole crater the size of a kiddie pool. And bundling? In theory it should save money, but up here... not so much. Last year, my “bundle discount” was wiped out by a single moose claim. Honestly, I’ve found switching companies every couple years works better than loyalty discounts. They just jack your rates if you stick around too long.
