Finding Affordable Car Insurance After 65 In Kansas—Anyone Else Struggling?
- Totally get what you mean about those trackers. I had one for a few months and it felt like I was being graded for stuff that’s just... normal driving? Like, I’m not gonna risk my neck merging slow just to keep some sensor happy.
- The “aggressive braking” thing cracks me up too. If a deer jumps out, I’m supposed to just tap the brakes gently? Yeah, right.
- I tried shopping around, but every company wants to slap a gadget on your car now. I’d rather pay a little extra than have my insurance rate depend on whether I hit a pothole too hard.
- Honestly, I just want something straightforward. No apps, no gadgets, just a fair rate for not crashing into stuff.
- If anyone’s found a company in Kansas that doesn’t push the tech, I’d love to hear it. Right now, it feels like you’re either overpaying or getting nitpicked by a robot.
Not sure if it’s just our age group or what, but it’s getting harder to find a deal that makes sense.
I’d rather pay a little extra than have my insurance rate depend on whether I hit a pothole too hard.
Honestly, I’m right there with you. Those gadgets are just another way for companies to squeeze us, if you ask me. I called around last month and Farm Bureau was the only one that didn’t push a tracker or app on me. Their rates weren’t the absolute lowest, but at least it felt like a real person was making the decision—not some algorithm dinging me for every Kansas backroad bump. Worth checking out if you haven’t already.
I get the frustration with those trackers, but I’ll admit—my cousin swears her rates dropped after she tried one of those apps. She’s not exactly a slowpoke either. Maybe it’s a gamble, but I wonder if sometimes they actually help, depending on your driving style? I’m still wary, though… not sure I want Big Brother riding shotgun every trip to the grocery store.
I get what you mean about the trackers maybe helping, but do they really factor in stuff like weather or weird traffic situations? I’ve heard stories where someone braked hard to avoid a squirrel and the app dinged them for “unsafe driving.” Makes me wonder if it’s really fair, or just another way for insurance to watch us closer.
I’ve had a similar experience with those driving trackers, and honestly, it’s a bit of a mixed bag. I signed up for one of those “safe driver” programs when my rates shot up after a couple of speeding tickets (not proud of it, but it happens). The idea was that if I could prove I was driving safely, maybe my premium would drop. In theory, it sounds fair, but in practice…well, it’s not always so straightforward.
There was one time last winter, icy roads, and a deer darted out in front of me. I braked hard—no way around it—and the tracker flagged it as “aggressive braking.” I get that the tech can’t always know the difference between a close call and reckless driving, but it was frustrating to see my score dip for something that was honestly just me being careful. I’ve also noticed that it doesn’t seem to care if you’re stuck in stop-and-go traffic or if you’re dealing with a sudden downpour. It just logs the data and moves on.
Still, I will say, after a few months, my rate did go down a little, so it wasn’t all bad. But yeah, it does feel like they’re watching every little move. Sometimes I wonder if it’s more about gathering data than actually helping us save money. I guess for some folks, it works out, especially if you’re driving in perfect conditions all the time. For the rest of us, with wildlife, weather, and random Kansas traffic, it’s not always so cut and dry.
Anyway, I’m still on the hunt for something more affordable that doesn’t make me feel like I’m being graded on every turn. If anyone figures out a better way, I’d love to hear about it.
