Honestly, those trackers are a joke out here. I drive a Mercedes and the system dings me for “hard braking” every time a deer jumps out or a combine pulls onto the road. It’s not reckless driving, it’s just Kansas. I’ve tried talking to my agent—most of them just shrug and say it’s all automated now. I did find one company that still offers a low-mileage discount if you can prove you don’t drive much, but even that’s a hassle with all the paperwork.
I get that insurance companies want data, but they don’t seem to care about the reality of rural roads. Algorithms don’t know the difference between dodging a coyote and drag racing. If you find a company that actually gets it, let me know, because I’m tired of paying extra for “aggressive” driving when I’m just trying not to wreck my car.
Title: Finding affordable car insurance after 65 in kansas—anyone else struggling?
Man, those trackers are relentless, aren’t they? I swear, they must think the only thing happening on Kansas roads is Fast & Furious auditions. I’ve had folks come in grumbling about “hard braking” alerts, and half the time it’s because a raccoon decided to play chicken or a tractor’s crawling down the highway at sunrise. The tech just doesn’t get it—rural life’s a whole different ballgame.
I get why insurers started using these gizmos (data, data, data), but it’s like they never actually drove through a wheat field or dodged a tumbleweed. The system flags you for “aggressive” driving, but if you didn’t slam the brakes, you’d be picking antlers out of your grill. Try explaining that to an algorithm. Or, heck, even to someone sitting in an office in Chicago who thinks “country driving” means taking the scenic route to Whole Foods.
The low-mileage paperwork thing is another headache. I had a client who had to send in odometer pics every three months. It’s like a part-time job just trying to save a few bucks. And don’t get me started on the “discounts” that vanish if you sneeze wrong.
You’re not alone feeling like the system’s stacked against folks out here. Sometimes I wonder if these companies think Kansas is flat and empty except for us and our cars—not all the wildlife and farm equipment that randomly appear out of nowhere.
If it makes you feel any better, I’ve seen people get creative—one guy started keeping a “critter log” to show how often he had to brake for animals. Didn’t help with the algorithm, but it made for some pretty entertaining stories.
Hang in there. You’re not imagining it—rural driving is just different, and sometimes the tech folks forget that not everyone’s dodging taxis downtown. Maybe one day the insurance world will catch up to what real Kansas driving looks like... until then, I guess we just keep dodging deer and insurance surcharges together.
Yeah, you nailed it—those trackers just don’t get what it’s like out here. I tried one of those “safe driver” apps last year, thinking I’d save a few bucks, but it dinged me for “sudden stops” three times in one week. Once was for a turkey, once for a combine, and the last time was for my neighbor’s cow that decided the grass was greener on my side of the fence. Try explaining that to a customer service rep who’s never seen a cow outside a petting zoo.
I get the logic behind all this tech, but it feels like rural drivers are just an afterthought. The paperwork for low-mileage discounts is a whole other mess—my aunt gave up after the second round of odometer photos because she kept forgetting, and then they bumped her rate anyway.
Honestly, I wonder if some of these companies even realize how different our roads are. It’s not just about miles driven, it’s about what you’re dodging along the way. I’d love to see an insurance exec try to drive down a gravel road at dusk in calving season... might change their tune real quick.
