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Someone mentioned that insurance companies base rates on statistics, so even though I’m a safe driver, if there are a lot of accidents in my area or involving my car model, my rates could still go up. It’s frustrating because everyone’s paying based on the group’s risk, not just their own driving habits.
I’ve also been hearing more about how easy it is to steal certain cars, like specific Kia models. Even though I don’t own one of those cars, I bet if car theft is on the rise in general, that contributes to higher insurance rates for everyone due to the increased payouts for stolen vehicles.
I’ve been wondering about those driving behavior tracking apps that some insurance companies offer. While they say you can get discounts for good driving, I heard someone question whether they really work fairly since they only track things like sudden braking, without knowing the reason behind it. I’m a bit hesitant to rely on something like that if it might increase my rates based on assumptions.
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