Let’s face it: Auto Insurance companies use RATE CLASSES. They clump drivers together on the basis of age, gender, level of education, zip code, and distance driving (to name a few). They’ve experienced enough losses along plotted lines that they can get a pretty good idea about what kind of risk each driver is.
“But have you WATCHED people drive today?”
I know, I know… People seem to be more careless on the road than ever before. Texting, talking on the phone, and other forms of distracted driving are on the rise. Add to this the number of reckless drivers, and you can see how that there are people that are riskier drivers than the average in their rate classes.
“Why can’t they rate me according to MY driving habits?”
This question has existed since the advent of Auto Insurance. Until recently, there was not a real way to figure out who is the risky driver and who is the safe driver – unless there are tickets and accidents on your driving record.
The good news is – THINGS HAVE CHANGED!
Insurance carriers are increasingly conscious of new technologies, and the latest and greatest of those technologies is a device that monitors your driving habits (usually for a 90-days to 6-month window) to give you a rate that you ACTUALLY deserve!
Let’s paint the picture…
You sign up for the program, and the Insurance Carrier sends a device to your mailing address. You plug the device into a receiver in your car (the same receiver under your steering wheel where auto repair companies plug into to read your “Check Engine” error codes). The Carrier gives you a log-in with which you can track your driving habits (and your spouse’s :D ), but it doesn’t track your location via GPS. After the monitoring period has ended, you send the device back to the Carrier.
Cue the discounts!
Most Carriers will give you a discount JUST for TRYING the program. When the program is over, however, your insurance will adjust the discount based on YOUR driving habits – not everyone else’s.
Are you ready to pay for your habits – and yours alone? Click the button below to get started!