Mileage-based car insurance: who’s using it and which company do you like?

My ‘79 doesn’t even have an OBD port, so I’m stuck in the analog age...

That’s the thing - these insurance dongles are built for cars with computers, not classics. Your ’79 is immune to their nonsense, and honestly, that’s a good thing. I wouldn’t trust any of these gadgets in a vintage ride. Analog gauges, real feedback - no check engine light going haywire because some insurance company wants your data. If they ever figure out a way to track us without an OBD port, I’ll be the first to rip it out. Stick to old-school insurance for old-school cars.

Your ’79 is immune to their nonsense, and honestly, that’s a good thing.

Couldn’t agree more. My ’72 Chevelle’s never seen a dongle and I plan to keep it that way. There’s something about feeling the car through the wheel and pedals, not some app telling you how you’re driving. I’ve heard stories of those trackers glitching out on newer cars - imagine what they’d do with old wiring and no computer brain. I’ll stick with my classic policy and enjoy the drive, quirks and all.

- Totally get where you’re coming from.
- There’s a certain peace of mind knowing your classic isn’t being monitored or misread by some glitchy device.
- I’ve seen friends with newer cars deal with those dongles misreporting hard braking or “aggressive” driving that just wasn’t happening.
- For older rides, I’d be worried about compatibility too - seems like more hassle than it’s worth.
- Enjoy the analog experience… sometimes less tech really is better.

I hear you on the tech headaches. I tried one of those mileage trackers for a few months - saved a bit, but the app kept flagging my normal stops as “hard braking.” Honestly, if your car’s older, it’s probably not worth the hassle or risk of weird readings. Sometimes paying a little more for regular insurance is just less stressful.

the app kept flagging my normal stops as “hard braking.”

That’s wild - my neighbor had the same issue with his tracker, and he swears he drives like a grandma. I’m curious, did you ever try reaching out to support about those weird readings, or just give up? I wonder if some cars just don’t play nice with the tech.