Yeah, totally get where you're coming from on the mileage tracking apps. I've been tempted a few times because the savings seem appealing, but something always holds me back. Like you said, insurers can be sneaky about penalizing stuff you'd never even think twice about. I mean, who knew driving home after a late shift could cost you extra? Feels unfair to folks who don't have typical 9-to-5 schedules.
I do think dash cams are pretty solid though—had a buddy who got rear-ended at a stoplight and the other driver tried to claim he backed into them (seriously?). His dash cam footage cleared things up real quick. But yeah, handing over all your driving data feels like giving insurers way too much ammo to nitpick your habits. Maybe someday they'll iron out those kinks, but until then I'm sticking with more traditional ways of cutting costs—like bundling policies or shopping around every renewal.
