Yeah, the tracking thing kinda weirds me out too, honestly. I like the idea of a cap though—my last road trip nearly gave me a heart attack when I saw the bill. Still, knowing my insurance is basically watching every time I hit up Taco Bell at midnight feels a bit Big Brother-ish. But hey, if it saves me enough cash, maybe I’ll just wave to the tracker and call it a day...
knowing my insurance is basically watching every time I hit up Taco Bell at midnight feels a bit Big Brother-ish
I get where you’re coming from—it does feel a little invasive at first. The thing is, these trackers usually only record mileage and some basic driving habits, not your exact stops or what you’re ordering at the drive-thru. If you’re worried about privacy, check the fine print on what data they actually collect. Most companies are pretty upfront about it now. And yeah, the cap can be a lifesaver if you don’t drive much, but if you rack up miles with road trips, it’s worth double-checking how overages work before signing up.
Honestly, I’m way more worried about them jacking up my rates for “hard braking” than caring if I’m grabbing a Crunchwrap at midnight. Does anyone actually know if these things ding you for late-night drives? I read somewhere that some companies do, which seems a bit much. I use Metromile and they haven’t hassled me yet, but I double-checked the privacy stuff too. Anyone get hit with surprise fees or weird data requests?
Title: Mileage-based car insurance: who’s using it and which company do you like?
Does anyone actually know if these things ding you for late-night drives? I read somewhere that some companies do, which seems a bit much.
I’ve wondered about this too, especially since I’m usually out late (work nights, plus I just like driving when the roads are empty). I’m with Root right now, and they definitely track stuff like hard braking and quick acceleration, but I haven’t noticed anything about time of day affecting my rate. At least not directly. They mostly send me “drive safer” nudges if I brake too hard or take a turn fast.
I get what you mean about privacy. The app wants location access all the time, which feels a little sketchy, but so far no weird data requests or surprise charges. Just the usual “we noticed you braked hard 3 times last week” notifications. Honestly, I think they care more about HOW you drive than WHEN you drive.
One thing though—my friend tried Allstate’s Drivewise and said they did mention late-night trips as a “risk factor.” Not sure if it actually raised his rates or just flagged him in their system. Has anyone else seen that with other companies? Like, does Metromile even track what time you’re on the road, or is it just miles?
Curious if anyone’s gotten pushback for driving at odd hours. Or maybe it’s only if you’re racking up a ton of miles after midnight?
