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

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anime627
Posts: 11
(@anime627)
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Honestly, I get where you’re coming from—those trackers can be more trouble than they’re worth if you’re not careful. Still, even with the hassle, some folks do end up saving a fair bit. If you’re already overpaying, maybe it’s worth giving one of the app-based options another shot? Some are less battery-hungry than they used to be. But yeah, nothing wrong with sticking to what works for you... sometimes simple is best.


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michael_hawk
Posts: 21
(@michael_hawk)
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I get the appeal of those app trackers, but I’ve had a few too many headaches with them in my old Mustang. One time it drained my battery overnight—wasn’t fun. I just stick to the classic low-mileage policy now. Maybe it’s less “smart,” but at least it doesn’t mess with my ride.


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Posts: 18
(@fitness_james)
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- Had a similar issue with a plug-in tracker in my Civic—kept getting weird electrical glitches.
- Switched to Metromile’s low-mileage plan, no tech involved, just odometer pics.
- Miss the app stats sometimes, but honestly, less hassle is worth it for me.
- Anyone else notice some trackers just don’t play nice with older cars?


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scottvortex157
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(@scottvortex157)
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Yeah, I’ve noticed those plug-in trackers can be hit or miss, especially with cars that aren’t super new. We tried one of those dongles in our old Accord a while back and it kept messing with the radio and even triggered a check engine light once. Dealer said it was probably drawing too much power or confusing the system. Honestly, not worth the headache.

We’re on a pay-per-mile plan too, but with Milewise (Allstate). It’s got a little device you stick on the windshield instead of plugging into the OBD port, so less risk of electrical weirdness. Still, I do kind of miss seeing all the trip data and stats from the app—guess I’m a sucker for charts and graphs. But yeah, less tech means fewer random issues.

I wonder if these companies really test their trackers on older models or just assume everyone’s driving something from the last five years...


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sroberts23
Posts: 26
(@sroberts23)
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- Totally agree about the OBD dongles being a pain, especially with older cars.
- Had a similar issue with my 2010 Camry—plugged in the tracker and suddenly my dash lit up like a Christmas tree. Dealer said it was “probably nothing,” but I wasn’t taking chances.
- The windshield device sounds less risky, but I do miss the detailed trip data too.
- Honestly, feels like these companies focus on newer models and just hope for the best with anything older. Not super confidence-inspiring if you’re driving something from before 2015...
- At this point, I’d rather have fewer features than risk weird electrical gremlins popping up.


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