Finding affordable car insurance after 65 in kansas - anyone else struggling?

It’s like, what do they expect us to do - crawl along and hope nobody rear-ends us?

That made me laugh because I’ve had the same thought. I tried one of those trackers a couple years back when my insurance agent said it might help lower my bill. I figured, why not? But it kept flagging me for “hard braking” every time I hit a yellow light or someone cut me off. It got to the point where I was more focused on the tracker than the actual road, which just seems backwards.

About challenging the data - my neighbor actually managed to get a small adjustment after she called her agent and explained a few of the flagged events (like her dog jumping into the front seat and making her slam the brakes). It wasn’t a huge change, but they did take off one of the surcharges. So I guess it’s not totally hopeless, but you have to be persistent.

The age thing is just wild. My uncle’s 70, drives less than 5k miles a year, spotless record, and his rate still climbed last renewal. Doesn’t seem fair at all. Sometimes I wonder if shopping around every year is the only way to keep them honest...

I hear you on the trackers - they make me more anxious than anything. I drive a higher-end car and honestly, I’m not risking my brakes or my attention just to save a few bucks. The age-based hikes are frustrating, too. I’ve found that bundling with home insurance sometimes helps, but it’s hit or miss. Shopping around every year is a pain, but it’s the only way I’ve managed to keep my rates from creeping up too much. Loyalty doesn’t seem to count for much with these companies anymore.

Bundling can cut costs, but yeah, it’s inconsistent - depends a lot on the carrier and what you’re insuring. The loyalty thing is a myth at this point; most companies just don’t care how long you’ve been with them. I get why you’re wary of those trackers, especially in a luxury car. Honestly, the only real way to keep rates in check is to shop around every renewal. It’s tedious, but unfortunately, that’s the current state of the industry.

The loyalty thing is a myth at this point; most companies just don’t care how long you’ve been with them.

That’s been my experience too. I stuck with the same company for 20 years thinking it’d pay off, but nope - my rates crept up anyway. Tried one of those “safe driver” trackers once... felt like my car was tattling on me every time I braked hard. Now I just compare quotes every year, even if it’s a pain.

I hear you on the loyalty thing - it’s pretty frustrating. I’ve had a similar run, thinking my long history and spotless record would count for something, but nope, just higher premiums every year. Those trackers are a mixed bag too; I tried one and it dinged me for “aggressive acceleration” when I was just merging onto the highway. Shopping around is tedious, but honestly, it’s the only way I’ve found to keep rates in check, especially with a pricier car. Loyalty just doesn’t seem to matter anymore...