Yeah, I’ve noticed the same thing with those telematics apps—they seem to expect everyone to drive like they’re on an empty suburban street at 2am. My old Bronco isn’t exactly subtle, and it definitely gets flagged for “hard acceleration” just getting up to speed. It’s kind of frustrating when you’re just trying to keep up with traffic.
I’ve heard about the self-reporting option too, but does anyone know how picky insurers get about verifying your mileage? I always wonder if they want photos of your odometer or if it’s more of an honor system. Also, has anyone tried switching to a classic car policy even if their car isn’t technically a “classic”? I’m curious if that’s a loophole or if they’re strict about age and usage.
It does feel like these tech-based discounts are better suited for folks with newer cars or those who only drive short distances in light traffic. For the rest of us, it’s a bit of a hassle... but maybe worth it for the savings if you can make it work.
