Yeah, I get your frustration—insurance companies mostly stick to the numbers game because it's easier and cheaper for them. Those tracking devices might help if you're super cautious, but honestly, who drives perfectly all the time? I've had friends labeled "risky" just because of a couple speeding tickets years ago, even though they're safer drivers than half the people I know. It's annoying, but that's how insurers roll...numbers first, common sense second.
I totally hear you on the frustration with insurers, but honestly, sometimes the numbers game isn't all bad. A buddy of mine had a pretty rough driving record from his younger days—tickets, minor accidents, you name it. He got labeled risky and his premiums shot up. But after he agreed to one of those tracking devices, he actually proved he was a safer driver than their stats suggested. It took a while, but eventually his rates dropped significantly. So yeah, they're annoying, but occasionally the numbers can work in your favor too...
That's a fair point, and I've seen similar cases myself. The tracking devices can indeed help drivers demonstrate improved habits over time. However, for those of us with classic cars, it's a bit trickier. Many insurers don't offer telematics options for vintage vehicles, and even if they did, the limited mileage and careful driving we typically do might not reflect accurately in their standard metrics. Still, it's encouraging to see insurers becoming more flexible with data-driven approaches—hopefully that'll extend more broadly soon...
Good points, but I'm not convinced telematics alone will ever fully capture how responsible someone is behind the wheel. I've seen drivers who score perfectly on those apps but still somehow manage to get into accidents—sometimes it's just bad luck or unpredictable road conditions. Classic car owners might actually have an advantage here: insurers already know you drive rarely and carefully, so mileage-based policies without tracking might be a better fit anyway...
"sometimes it's just bad luck or unpredictable road conditions."
Yeah, exactly. I mean, telematics can track speed and braking habits, but it can't tell if you're zoning out or distracted by something random on the road. I've had days where my driving app says I'm doing great, but honestly, I know I wasn't fully focused. Plus, some people just know how to game the system—slow braking and gentle acceleration doesn't always equal safe driving. Mileage-based policies without tracking might be simpler for a lot of us everyday commuters anyway...
