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

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matthew_walker
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(@matthew_walker)
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Honestly, I hear you on the repair costs—my last “simple” fix required a laptop and a guy who looked like he was defusing a bomb. But I gotta admit, after driving older cars for years, I’ll take the tech headache over the heart-stopping moments of not knowing if my brakes or lights are working. At least now when the car yells at me, it’s about something real (most of the time).

That said, insurance going up because these sensors cost as much as gold teeth? That stings. But on the flip side, I haven’t had a single fender bender since all these cameras and beeps started holding my hand in parking lots. Maybe it’s saving me from myself... or maybe it’s just making me paranoid about every little warning light. Still, I’d rather deal with an annoying beep than a smashed bumper any day.


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bmartinez71
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(@bmartinez71)
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Yeah, the insurance hikes are rough, especially when you’re running a few vehicles for work. I get what you mean about the tech—my last car was basically a rolling computer, and every little sensor seemed to cost a fortune to fix. But honestly, I do feel safer with all the backup cameras and lane warnings. I just wish the insurance companies would give us more credit for fewer accidents instead of charging more for fancy parts. It’s a weird trade-off... safer cars, pricier repairs.


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(@fishing578)
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I just wish the insurance companies would give us more credit for fewer accidents instead of charging more for fancy parts.

Yeah, that’s the part that bugs me. The safety features actually work—I’ve avoided a couple fender benders thanks to lane assist and auto braking. But when a side mirror with a camera costs $800 to replace, the premiums just keep climbing. I’ve started looking into usage-based insurance, where they track your driving habits. Not perfect, but sometimes it helps offset the tech repair costs a bit.


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dance_gandalf
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(@dance_gandalf)
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Honestly, I get the logic behind usage-based insurance, but it feels a bit like trading one problem for another. Sure, you might save a few bucks if you drive like a saint, but now you’re being tracked everywhere you go. Plus, all this tech—lane assist, cameras, sensors—just means pricier repairs when something goes wrong. Do you think we’re ever going to see insurance companies actually reward people for driving older, simpler vehicles that cost less to fix? Or is that just wishful thinking these days...


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(@puzzle284)
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I’ve wondered the same thing, honestly. My uncle’s got this old pickup—no fancy tech, just a stubborn radio and a heater that only works if you kick it. He barely pays anything for repairs, but his insurance is still up there. Meanwhile, my friend’s new SUV needs a $600 sensor if you even look at it funny. Seems like the system rewards shiny gadgets more than practicality... not sure that’ll change anytime soon, but I’d love to be wrong.


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