Would You Like to Save on Car Insurance?

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.

Smartphone

Collecting following driving measurements by installing application in smartphone

• Accelerating, breaking
• Common driving area
• Speeding
• Driving time

Device

By installing company provided device to vehicle, company collect mileage and driving.

• Accelerating, breaking
• Speeding
• Total driving distance