Do you want to save money on your auto insurance by driving safely? Most companies are using car telematic programs to do so.
Car telematic programs are wireless devices that communicate with each other. In the world of auto insurance, this means that insurers collect data by using a cell phone app or a small in-car tracking device. Yes, that might sound intimidating but there are many reasons these devices could be useful to you.
Lower Rates. Do you want to pay less for car insurance? Your car insurance should be based on how you drive, not the age of the driver. Careful drivers can be rewarded for their good driving habits. Whether it is a lower deductible or premium, you will see exactly how your driving affects you.
Misuse. Trying to save your family vehicle for as long as possible? Telemetric information can help discourage the misuse of your vehicle so it will have a longer life in the family. Some devices will let you know when you are braking or accelerating too hard, which could decrease the life of your vehicle.
Teen Drivers. Having a teen driver out on the roads for the first time can be scary. Telemetric tracking devices allow you to see if your teen is driving safely. Are you scared of them being reckless with the family vehicle? You are able to gather information such as braking or accelerating too quickly, for a teaching moment that could one day save their life.
There are many carriers that use this technology today. Each carrier has their own unique device or app that allows you to personalize your rates based on how you drive. You can start saving by calling McGhee Insurance Agency at 501-392-0300 or visit https://www.mcgheeins.com/.
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Sources:
https://www.brickhousesecurity.com/gps-trackers/apps-vs-devices/
https://www.compare.com/auto-insurance/resources/how-insurance-telematics-work
https://twocents.lifehacker.com/should-you-let-your-insurance-company-track-your-drivin-1845201248