Car insurance rates and metaphorical sodomy

[Apoc]

The allstate tracker I tried a few years ago was tagging me for 2-3 hard braking events in the Fit, every week, which I thought was crazy as I was driving like a grandpa and just to/from work. Turned out the section of 42 that was 55mph and has a stoplight was triggering their algorithm. I forget the math I did it but it was something stupid like you would need 1/8 of a mile to slow down for a red light and not trip the eye of sauron. I did attempt to reason with a couple levels of mgmt there, but it was fruitless so I just sent it back to them and said I'd be happy to try again when they have reasonable metrics.

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Looks like American Collectors is $200 every six. That's $75 cheaper than Hagerty. Well, shit.....

I think I have a 1 year policy with them, does that vary by state?

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Hard braking is gonna be where we might have the problem. We don't live downtown, but we're squarely in the city so stop lights are life. We don't commute and rarely drive after dark, so we should be good on the time of day thing. I thought about doing per mileage insurance, but it felt like I'd never want to drive cause it would cost money. I get you still save overall... my brain just likes the flat fee thing. It's not logical.

American Collectors is a year policy. I converted it to six month cost since all my other numbers were per six months.

Of course I've already gotten and email and a phone call from them to finish my application. That's annoying.