Has anyone actually had a tracker save them money, though? I keep reading mixed things—some folks say it barely made a dent, others swear by it. I’m a little nervous about the privacy side too, but if it really helps with the rates, maybe it’s worth a try. Did you notice any weird changes in your premium after using one, or was it pretty much what they promised?
I tried one of those trackers last year, hoping for a decent discount, but honestly, the savings were pretty underwhelming—maybe $8 a month. The privacy trade-off didn’t feel worth it for me. Has anyone seen bigger savings with a different company, or is this just how it goes in Kansas?
the savings were pretty underwhelming—maybe $8 a month. The privacy trade-off didn’t feel worth it for me.
- That $8/month is pretty standard from what I've seen in Kansas, especially for folks 65+ with clean records.
- Some companies advertise “up to 30% off,” but in reality, most drivers only see small discounts unless their driving habits are nearly perfect.
- Privacy concerns are legit—those trackers collect a lot more data than most people realize.
- Have you tried bundling policies (like home + auto)? Sometimes that shaves off more than the tracker discount.
- Curious—did your rate go up after removing the tracker, or did it stay about the same?
I get where you’re coming from, but honestly, $8 a month adds up over the years—especially if you’re driving something pricier. I’ve found that sometimes the tracker programs are worth it if you’re already a cautious driver, but yeah, the privacy thing bugs me too. Personally, bundling home and auto barely made a dent for me, but shopping around every couple years has actually saved me more than any of these “smart” discounts. Insurance companies seem to bank on people not switching.
Bundling’s always pitched as the big money-saver, but in my experience, it’s usually just a few bucks off—definitely not the game-changer they make it sound like. I’ve seen clients save more by just switching carriers every couple years, even if it’s a hassle. Those tracker programs are a tough call... I’ve had folks swear by them, but others get creeped out by the data collection. Personally, I’d rather keep my privacy and just keep an eye out for rate hikes.
