Can Telematics Devices Help Me Save on Car Insurance?

Yes! You can potentially save money through car insurance programs that rewards safe driving through telematics devices that monitor your driving habits. The telematics device is usually an app that runs off your smartphone or a device you plug into your car, though some vehicles may come equipped with telematics that are already installed. These devices can capture data on a variety of driving activities and potentially reduce your premium, provide rewards, or result in a discount if you meet certain criteria.

What is a telematics device?

A telematics device is typically an app that measures details such as mileage, speed, and braking time, as well as where and when you drive. Some of our companies also offer a physical car telematics device that plugs into a vehicle's onboard diagnostic port under the dash. These plug-in devices can measure the same details as a mobile app. Both plug-in and app-based telematics devices need to be plugged in or enabled for them to work, but once you set them up, they simply run in the background.

How does telematics work with car insurance?

For those enrolled in telematics-based auto insurance programs, these devices send personalized driving data to your insurance company for either a certain length of time or continuously. Insurance companies can then use this data to offer a personalized rate or discount that factors in how safely you drive.

In most cases, the driving data from telematics devices is accessible to you, allowing you to see how often you do things such as exceed the speed limit, veer outside the lane, or engage in hard braking (though not all insurance companies report the same driving behaviors). This information can help many drivers improve their driving habits and make safer decisions on the road.

How can telematics help you save on car insurance?

If you're already a safe driver, enrolling in a telematics-based program can result in cheaper auto insurance rates by rewarding your good driving habits. Here are some of the potential insurance benefits of opting into a telematics program:

• Lower premiums: Assuming you drive responsibly and avoid unsafe behavior, your personalized driving information can lead to lower insurance rates compared to the rates riskier drivers may receive.

• Additional rewards: Depending on your provider, you may receive cash back, rate discounts, or other rewards based on good driving behavior.

All Motors Insurance offers discounts based on telematics!

We can help you save on your car insurance by quoting you with companies that offer telematics devices! Our insurance companies like Progressive, National General, and Infinity offer different options of telematics to help you save the most on your auto insurance rate. We can quote you using telematics devices like an app or plug-in device to help you save! In most cases, your rate can continue to decrease each term based on your driving habits. Request a quote or call one of our local offices and start saving now!