Tried one of those telematics programs here in Honolulu last year. Here's how it went: first, you sign up and install their little tracking device or app. Then, you drive carefully (no sudden braking, speeding, or late-night drives) for about 3-6 months. After that, they reassess your rates based on your driving habits. Worked out pretty well for me—saved around 15% after six months. Privacy-wise...yeah, it's a trade-off. But if you're labeled high-risk and genuinely drive safe, it's probably worth the minor hassle.
I gave telematics a shot too, about a year ago. My wife and I share the family car, and honestly, it was a bit stressful at first—felt like someone was always watching over our shoulder. But after a few months, we got used to it. Ended up saving around 10%, not as much as your 15%, but still decent.
"Privacy-wise...yeah, it's a trade-off."
Exactly my thoughts. If you're careful behind the wheel anyway, it's probably worth it.
I considered telematics too, but honestly, the idea of someone tracking my every move makes me uneasy—especially since I drive a classic. Still, 10-15% savings isn't bad at all. Curious though, does anyone know if telematics programs penalize you for older cars without modern safety features? My '72 Mustang isn't exactly equipped with lane assist or ABS...
From what I've seen, telematics programs mostly focus on your driving habits—like braking, acceleration, and mileage—not so much on the car's safety features. I doubt they'd penalize you for lacking modern tech, especially since they're already insuring your classic Mustang. By the way, props for keeping a '72 Mustang running smoothly... I'm still learning to parallel park my Civic without sweating bullets, so you're way ahead of me there.
Gotta disagree slightly about the tech thing... I had an older Jeep Wrangler—no fancy sensors or cameras—and my telematics app dinged me constantly for "hard braking." Turns out, older brakes just aren't as smooth. Still miss that Jeep though, quirks and all.
