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How Your Driving Habits Can Lower Your Insurance Bill

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If you’re a safe driver or working from home and on the road less often, you may be able to find cheap car insurance rates by joining a telematics program. Offered by multiple insurers, these programs use tracking devices or apps to monitor your driving behavior and reward safe habits.

Before you sign up for a telematics program, you’ll want to think carefully about your driving habits.

For example, if you’re a college student or remote worker who doesn’t drive often, you may want to consider a pay-per-mile program, which calculates your rate based on how many miles you drive. This means your bill will change every month. If you still have to be on the road often, a pay-as-you-drive program, which rewards safe driving habits rather than focusing on miles driven, might be your best option.

No matter the program you choose, you’ll have to be comfortable with your insurer tracking your driving habits.

In general, insurers monitor behavior such as:

After you sign up for a telematics program, your insurer will start tracking your driving through a mobile app........

© Entrepreneur

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