Yeah, defensive driving courses can help, but honestly, the tracking devices aren't always as creepy as people make them out to be. I used one for a few months, and it mostly just checked speed and braking habits—no big brother vibes or anything. Actually saved me more money than the course did. But you're right, each insurer's different, and some do get a bit invasive... just gotta shop around and see what's worth the hassle.
I've used one of those trackers too, and honestly, it wasn't bad at all. I get why people are wary—privacy matters—but mine just monitored basic stuff like braking and acceleration. Actually made me more aware of my driving habits, which isn't a bad thing when you're cruising around in a classic car that's already expensive enough to maintain. But yeah, insurers vary a ton, especially with high-risk labels. Might also be worth checking out some smaller local insurance companies in Hawaii... sometimes they offer better deals or more personalized options.
"Actually made me more aware of my driving habits, which isn't a bad thing when you're cruising around in a classic car that's already expensive enough to maintain."
That's reassuring to hear. I'm currently shopping around for my first insurance policy and was initially hesitant about trackers due to privacy concerns. But your experience makes me reconsider—maybe the benefits outweigh the drawbacks, especially if it helps lower premiums. I'll definitely look into smaller local insurers here in Hawaii too; hadn't thought of that before. Thanks for sharing your insights!
I had similar reservations about trackers at first—privacy worries and all that—but honestly, after installing one in my '68 Mustang, it turned out to be pretty helpful. It nudged me into smoother driving habits without even realizing it. Plus, the savings on premiums were noticeable enough to ease some of the pain from those inevitable classic car maintenance bills... Definitely worth giving a shot if you're on the fence.
I get what you're saying about trackers nudging you into better driving habits, and the savings sound tempting, especially with a classic car. But honestly, I'm still pretty hesitant about the whole tracking thing. Maybe it's just me being overly cautious, but I feel like once you let an insurance company peek into your driving habits, there's no going back. What if you have one bad day or need to accelerate quickly to avoid an accident? Would that spike your rates?
Also, I've heard from friends who've tried these trackers that sometimes they can be overly sensitive—like flagging normal braking as "hard braking." I guess it depends on the company and how they interpret the data. For now, I'm sticking with shopping around for quotes and maybe taking a defensive driving course to lower my premiums. Might not save as much as a tracker would, but at least I won't feel like someone's always watching over my shoulder...
