What is telematics?

Telematics devices are used to monitor driving habits and tendencies, tracking drivers’ speed and mileage to more accurately determine premiums. Insurers generally use telematics data to offer personalized driving feedback, safe-driving rewards, or potential cost savings on your car insurance policy for safe driving.  You can earn insurance discounts by allowing your carrier access to this telematics data.

  • These programs usually track a combination of the following:
    • Mileage
    • Time of day
    • Cornering
    • Braking
    • Speeding
    • Distracted Driving
    • Acceleration 

Since the goal is to become a better driver, these programs may alert you when you brake too hard or take a corner too fast. Most programs also show detailed information throughout the process via a mobile app. You can view your recent trips and see how well or poorly you are performing in different areas.

Parents of young drivers, this is a great tool to help keep the cost of your insurance down and have open conversations about safe driving habits!

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