Noblr auto insurance

[FtWorthAtheist]

I really like getting insurance from Noblr.  The payment structure is different, but for me it has ended up being much lower cost overall.  I'm not sure if it's lower cost for everyone or just people like me: I drive very few miles because I work from home a lot and I get the highest tier of coverage possible because I like to know I'm covered.  My quote included one 6-month $335 premium payment and then a monthly payment every month that depends on how well their app thinks I'm driving but is usually $10-30.  They don't ding me every time I speed like Progressive Snapshot.  In December, I got in the most minor accident ever that was my fault, and my 6 month premium cost didn't go up.  I don't think my monthly payment went up because of that either; I'm driving more miles lately so my monthly payment has gone up, but not by much.  Anyhow, between the two I'm paying less than $500 for 6 months and it's been several years since any other insurer was quoting me rates that low for 6 months of full and maximum coverage insurance.  If you ride as a passenger you'd have to keep telling their app that to not be charged for those miles though; that's not convenient but it's not terribly onerous either.  I hope someone finds this useful because I wish I had known about them earlier.

[SmashYourSmartPhone]

Ugh.  I despise "app based" or "tracking gadget based" insurance systems.  You are, if you know it or not, broadcasting literally everything about your driving to every data aggregator who wants to buy a copy of it.

Of course, a modern "connected car" is probably doing the same thing.

Being charged insurance for miles I ride, unless I remember to disable it, is beyond absurd.  I don't even have my phone powered on most of the time I drive, though.

I get low mileage discounts on some of my less frequently driven vehicles, and every now and then get a letter from my insurance company asking me for the odometer reading on them.

[Dicey]

Ugh.  I despise "app based" or "tracking gadget based" insurance systems.  You are, if you know it or not, broadcasting literally everything about your driving to every data aggregator who wants to buy a copy of it.

Of course, a modern "connected car" is probably doing the same thing.

Being charged insurance for miles I ride, unless I remember to disable it, is beyond absurd.  I don't even have my phone powered on most of the time I drive, though.

I get low mileage discounts on some of my less frequently driven vehicles, and every now and then get a letter from my insurance company asking me for the odometer reading on them.

^This.^

I have an excellent driving record and don't drive a lot, but in my working years, I was a road warrior, so I drive very efficiently,  which I'm sure would not translate well to some insurance company's algorithms. NopeNopeNope.

[SmashYourSmartPhone]

I have an excellent driving record and don't drive a lot, but in my working years, I was a road warrior, so I drive very efficiently,  which I'm sure would not translate well to some insurance company's algorithms. NopeNopeNope.

I rode a rather powerful motorcycle (comfortably north of 100hp on a light sport touring frame) for a while.  Aggressively holding space around me, which tolerably often involved a solid twist of throttle, was just part of safe riding with that particular bike's capabilities.  Though I will admit, tapping triple digits every day for a month, just for the hell of it, was probably not strictly required for safe riding...

But this whole "Appification of everything for data collection and sales" approach to life needs to end.

[kenner]

Ugh.  I despise "app based" or "tracking gadget based" insurance systems.  You are, if you know it or not, broadcasting literally everything about your driving to every data aggregator who wants to buy a copy of it.

Of course, a modern "connected car" is probably doing the same thing.

Being charged insurance for miles I ride, unless I remember to disable it, is beyond absurd.  I don't even have my phone powered on most of the time I drive, though.

I get low mileage discounts on some of my less frequently driven vehicles, and every now and then get a letter from my insurance company asking me for the odometer reading on them.

Yep.  I don't drive much and am fine with swinging by the insurance agent's office every 2-3 years to confirm odometer readings to keep their lowest rate, but there's no way I'd put up with tracking.

[tj]

Ugh.  I despise "app based" or "tracking gadget based" insurance systems.  You are, if you know it or not, broadcasting literally everything about your driving to every data aggregator who wants to buy a copy of it.

Of course, a modern "connected car" is probably doing the same thing.

Being charged insurance for miles I ride, unless I remember to disable it, is beyond absurd.  I don't even have my phone powered on most of the time I drive, though.

I get low mileage discounts on some of my less frequently driven vehicles, and every now and then get a letter from my insurance company asking me for the odometer reading on them.

^This.^

I have an excellent driving record and don't drive a lot, but in my working years, I was a road warrior, so I drive very efficiently,  which I'm sure would not translate well to some insurance company's algorithms. NopeNopeNope.

Who did you end up using after you lost CSE ?

[Dicey]

We're still in process, as the policies don't expire all at once. Mercury is getting about half of our business, and the rest is still pending.

Update - our primary home and our two old cars (2002, 2014) are now with Safeco, for 30% more than last year. All three rentals are with Mercury, also for 30% more. That's a guesstimate, because one of them doesn't renew until October.

The RV remains unchanged - still with National General, at the same price as last year.

By juggling, we're able to get multi-policy "discounts" with both companies. Having a dedicated agent really made a difference for us.

We also own a condo near our primary that we bought in 2022 for DH's son. It's been insured with Traveler's*, and remains unchanged. Fingers crossed it stays that way.

A 30% increase is crummy, but CSE was so cheap that our new rates are closer to what other companies were quoting way back when our agent dug up CSE. We got off easier than a lot of folks in CA.

End of insurance update. Fingers crossed we don't have to scramble again for a very long time.

*BK's 2004 4-Runner is also insured with Traveler's. Our amazing agent worked her multi-policy magic again.