Rewards for good driving
Telematic programs personalize your rate based on your actual driving. It’s technically called usage-based insurance. That means you pay based on how and how much you drive instead of just traditional factors. In most states, you’ll get an automatic discount just for participating and a personalized rate at renewal depending on your results. While your rate could increase with high-risk driving, most drivers save.
How does telematics work?
- Sign Up: Get a quote and then choose either device — a mobile app or plug-in device.
- Drive: Make sure to download and register. Drive with the device or app. The time required to participate differs between carriers.
- Save: Generally, you can check your progress to see how you’re doing in the app or online.
Tips to maximize your telematics discount
Limit hard brakes and accelerations
Go easy on the gas and avoid slamming your brakes.
Avoid late night driving
Limit trips between 12-4 a.m. on weekends, as the roads can be more dangerous then.
Drive less overall
If you’re a low-mileage driver or able to carpool, you could save more.
Stay off your phone
Avoid texting, calls, or other handheld phone activity to stay safe and boost your discount.
We know there’s more to saving on car insurance than just safe-driving discounts. Learn how you can get the lowest possible rate by checking out our cheap car insurance tips.