What is Telematics?

If you could save money on your auto insurance by just driving to work or for pleasure, would you do it? If you are interested, I have news for you: Yes. You. Can.

There is no reason why you should pay more money for your premium if you are a safe driver. Most insurance companies offer a program that is called Telematics. Each company has a surname for it. But they are all the same thing; an opportunity so that you can prove you are a safe driver.

So, if you’re a better than average driver, then you’re probably PAYING MORE than you should because insurance prices are based on averages. Too often good drivers PAY TOO MUCH and poor drivers don’t pay enough. That doesn’t sound fair, does it? Finally- we have a solution to this conundrum!

How it works

The program consists of downloading an application on your mobile phone or inserting a device in your vehicle only for a period of time. It usually starts at the beginning of your policy date. This technology monitors your driving, letting your insurance know how you drive. Once it has gathered just enough data, you can turn it off. This monitoring assesses four factors: braking, acceleration, nighttime driving, and total miles driven. However, it does not track where you drive or record other personal information. And the best part? The discounts can be huge sometimes up to 40% off your policy premium.

If you do not pass the monitoring period, do not worry about it- the worst-case scenario is you won’t get the discount. At the very least, you will find out how you can improve your driving habits. So, no harm is done here. Ask your agent about a Telematics program with your insurance carrier and start saving now!

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