I get the appeal of the savings, definitely been tempted myself. But honestly, for me, the tracking went beyond just speed and braking. They also flagged things like nighttime driving hours and mileage per trip...which felt kinda intrusive. If you're budget-conscious (like I am), I'd suggest comparing quotes from smaller local insurers. Sometimes they offer decent rates without needing to monitor every late-night snack run. Just my two cents though, everyone's comfort level is different.
"They also flagged things like nighttime driving hours and mileage per trip...which felt kinda intrusive."
Yeah, this is exactly why I've held off on those tracking devices myself. I mean, I get it—I'm not exactly the poster child for perfect driving habits—but having someone monitor every midnight taco run or spontaneous road trip isn't my idea of privacy.
A buddy of mine did mention he got a pretty decent rate from a smaller local insurer without needing to install any tracking gadgets. Might be worth checking out if you're worried about privacy but still want to save some cash. And honestly, even as someone who's had my fair share of speeding tickets (and maybe an accident or two...), I've found that shopping around and even tweaking coverage levels slightly can help keep premiums reasonable without feeling like Big Brother is watching my every move.
Yeah, I get the privacy thing, but honestly...is it really that big of a deal if they track mileage or late-night drives? I'm new to insurance shopping, and if it saves me a decent chunk of money, I might just bite the bullet. But how much do these devices actually lower your premiums? Is it enough to justify feeling like you're being watched all the time? Curious if anyone's done the math on this.
