Average auto premium has been increasing over the years. Even though drivers have good credit and driving
history, there were no other new ways to save on premium. To resolve inequitable situation, insurance carriers
started the Telematics program utilizing Smartphone application and device discount. Both smartphone
application and device collect customer’s driving data. It then convert it to numerical scores. Customer will
receive discount based on the score they receive. All carriers have similar but slightly different guideline.
Below are common ways in how Telematics work.
Collecting following driving measurements by installing application in smartphone
Common driving area
By installing company provided device to vehicle, company collect mileage and driving.
Total driving distance
Discount rate vary depending on each company. But with good driving habits, an insurance carrier may even
offer discount up to 40%.
Please contact our office for further information at 770-234-0606.