Good points about city driving, but honestly, I've seen mixed results with those apps. A few things to consider:
- The app can sometimes ding you unfairly—like braking hard to avoid someone else's mistake. Not exactly your fault, right?
- Raising deductibles does lower premiums, but make sure you've got enough set aside if something happens. Seen too many people regret that later...
- Bundling isn't always the cheapest option. Sometimes shopping around separately for home or renter's coverage can actually save more.
Just my two cents from experience.
Haha, totally feel you on the app thing. I once got dinged for "hard braking" because a squirrel decided to play chicken with my car. Like, sorry Progressive, next time I'll just politely ask the wildlife to cross at the designated crosswalk...
But seriously, good call on the deductible thing. Learned that one the hard way when I had a minor fender-bender and realized my deductible was higher than my savings at the time. Ouch.
Also, bundling can be hit or miss. I shopped around separately last year and ended up saving more by splitting my home and auto coverage. Weird how that works sometimes.
Speaking of weird insurance quirks—has anyone else noticed their rates randomly fluctuating even without claims or tickets? Mine went up slightly last renewal, and I'm still scratching my head over it...
"Speaking of weird insurance quirks—has anyone else noticed their rates randomly fluctuating even without claims or tickets?"
Yeah, I've seen that happen a lot actually. Insurance companies factor in stuff you'd never even think about—like your zip code's accident statistics or even credit score changes. A buddy of mine moved literally two blocks away and his premium jumped noticeably. Crazy, right? Also, totally agree on the bundling thing being hit or miss... sometimes convenience costs more than you think.
