Rising premiums for business vehicle fleets - anyone else notice this?

Honestly, I’m not convinced the tech gets it right enough to justify the headaches. My rates nudged up after a few “harsh braking” flags, even though half were just me dodging potholes or idiots cutting in. Feels like it punishes normal driving sometimes.

Yeah, those “harsh braking” alerts are a joke sometimes. I swear, if I so much as sneeze near the brake pedal, the system thinks I’m reenacting Fast & Furious. Here’s my unofficial guide: 1) Pretend potholes don’t exist (good luck). 2) Hope nobody cuts you off (ha). 3) Drive like you’re chauffeuring a wedding cake. Still, the tech’s supposed to help, but it feels like it’s just watching for any excuse to ding your wallet.

I hear you on the “harsh braking” thing. I once got dinged for “aggressive driving” because a squirrel darted out and I tapped the brakes - guess the system doesn’t factor in wildlife with a death wish. I get that it’s supposed to make us safer, but sometimes it feels like you need nerves of steel and a crystal ball just to avoid a premium hike. I swear, if my coffee spills, the car probably logs it as reckless behavior...

Yeah, those telematics systems can be a bit much sometimes. I get why they exist, but it feels like they’re not great at context. Has anyone actually seen their premiums go down because of “good driving” scores, or is it mostly just penalties?

I’ve been wondering the same thing, honestly. We had one of those “safe driver” trackers in our minivan for a while - figured it might help with the rates. Drove like a saint, but the premium barely budged. Meanwhile, my husband got dinged for “hard braking” when a squirrel ran out in front of us… Not sure they’re really set up to reward good habits as much as they say. Mostly just feels like another way to keep tabs on us.