I’ve actually had better luck with bundling as a renter than you’d think—maybe it’s just my carrier, but I saved about $10/month combining car and renters. Not huge, but it covers a couple coffees. Also, telematics didn’t ding me as much as I expected, even with a few “moose stops.” Guess it really depends on the company’s algorithm. Defensive driving courses, though? Barely moved the needle for me.
Bundling’s never saved me much, honestly—maybe a few bucks, but nothing to write home about. I’m more skeptical about telematics, though. My buddy tried it and his rate shot up after one winter of icy roads. Has anyone here actually seen a big drop from those apps, or is it mostly just marketing?
I’m more skeptical about telematics, though. My buddy tried it and his rate shot up after one winter of icy roads.
Yeah, telematics is a hard pass for me. I drive a late-model Benz and the last thing I want is some app dinging me every time I brake for a moose or hit black ice. Maybe it works if you never leave Anchorage, but out here? Not worth the risk. Frankly, the only real discount I’ve seen was from taking a defensive driving course—nothing fancy, just a Saturday wasted, but it actually shaved a chunk off my premium. Bundling barely moved the needle for me either. Anyone else notice that luxury cars seem to get penalized no matter what?
Yeah, I hear you on the telematics thing. Tried it once with my old Tacoma—figured I’d save a few bucks, but all it did was flag me for “hard braking” every time I dodged a pothole or slid on a patch of ice. Didn’t help my rate at all. Defensive driving class was the only thing that made a dent, and even then, it felt like pulling teeth. Luxury cars definitely get the short end of the stick... my cousin’s Range Rover gets hammered on premiums no matter how clean his record is. Just feels like we’re paying for the zip code and the badge on the hood.
Just feels like we’re paying for the zip code and the badge on the hood.
That’s honestly how it seems sometimes. I’ve always wondered if there’s some secret handshake for getting a fair rate on anything with a luxury badge. My neighbor’s got a beat-up Subaru and pays less than half what I do, even though I drive like a grandma most days. Tried telematics too—apparently, “hard braking” includes stopping for moose in the road. Go figure. Maybe the trick is to just drive something nobody wants to steal or insure...
