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With car insurance rates soaring in recent years, drivers are looking for ways to save on their premiums. Many insurers offer safe driving discounts that incorporate telematics programs, also known as usage-based insurance (UBI), to record and evaluate your habits behind the wheel.
If the data shows you’ve been a responsible motorist, you could see your rate drop by as much as 40%.
While the discounts are appealing, some companies will raise your premiums if the results show you’re not considered a safe driver. Additionally, privacy advocates worry about where all that information could wind up.
“It comes down to consent,” said Hayley Tsukayama, associate director of legislative activism at the Electronic Frontier Foundation, a digital privacy nonprofit. “People get upset when their data is used in ways they don’t expect. Maybe you are willing to make some of those trade-offs — it’s all about clear communication.”
If you’re thinking about a safe driving discount — or you’ve already signed up for one — find out how they work, how much you could save and what the risks are.
Discounts for good driving are nothing new: Insurance companies often lower rates for drivers who take a defensive driving class or who haven’t had an accident in several years. But the advent of wireless technology has meant insurers can now collect, transmit and evaluate day-to-day driving behavior in real-time.
Signing up for a safe driving discount usually means installing a plug-in device or downloading an app on your mobile phone. (Some insurers offer either option or use data from both.)
Tracker: These widgets, known as telematics devices, are usually plugged into a port beneath the steering wheel and use your car’s sensors and diagnostic systems to track your performance.
Smartphone app: Instead of onboard diagnostics, data about your driving speed, hard braking and other behaviors is captured by your phone’s internal GPS and sensors. The apps typically analyze movements — like how your phone rotates when you enter your vehicle — to determine if you’re driving.
The system tracks metrics relating to your performance behind the wheel. The specifics vary, but they typically include:
Since each insurer collects, analyzes and weighs data differently, there is no one approach to getting the most out of a UBI plan. According to Progressive, limiting hard braking and acceleration, avoiding handheld phone activity and not driving between midnight and 4 a.m. will help you optimize its Snapshot program.
These are some of the top insurers offering discounts if you allow them to monitor your driving habits. Each state has different rules about how data can be used, however, and some restrict or prohibit UBI programs.
Allstate: Up to 25% off with Drivewise
American Family: Up to 20% off with DriveMyWay
Farmers: Up to 35% off with Signal
Geico: Up to 25% off with DriveEasy
Nationwide: Up to 40% off with SmartRide
Progressive: Customers who earn a discount with Snapshot save an average of $231 a year
State Farm: Up to 30% off with Drive Safe & Save
Travelers: Up to 30% off with IntelliDrive
USAA: Up to 30% off with SafePilot
Depending on your insurer, telematics information can be shared or used for other purposes, including marketing. In addition, a company that doesn’t share or sell your data may still be required by law to comply with a subpoena, court order or law enforcement request.
It can be difficult to decipher an insurer’s privacy policy to know exactly what is being done with your information.
“Unfortunately, it does require a little work — they don’t make it easy,” said Tsukayama. “Obviously, the insurance companies are incentivized to get people to sign up for these programs. So, [those agreements] are not always easy to decipher.”
Nationwide, State Farm and USAA told CNBC Select that driving data is not shared or sold with third parties.
The best way to estimate your costs is to request a quote
Nationwide offers near-nationwide availability and personalized services, such as On Your Side® Review, a free annual insurance evaluation to ensure you are adequately protected and are taking advantage of any discounts available to you.
The best way to estimate your costs is to request a quote
State farm is one of the largest auto insurers based on market share and has an excellent reputation for customer satisfaction. It offers 13 discounts, including ones for safe driving and young drivers.
Farmers Auto Insurance directed CNBC Select to its privacy notice, which indicates customer data from its Signal app may be shared with third parties, including “companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.”
The best way to estimate your costs is to request a quote
Farmers sells car insurance in every state except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington, D.C., and West Virginia and offers a whopping 22 discounts.
According to Progressive’s privacy statement, personally identifiable data from its Snapshot app may be shared with other companies “to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates’ products and services to you or as required or permitted by law.” (Users can limit some of the marketing of Progressive and affiliate products and services, however.)
The best way to estimate your costs is to request a quote
Progressive offers a number of lines of insurance to allow for bundling, and convenient tools to help you keep your coverage in your budget.
“Make sure you’re comfortable if your insurer is reserving the right to sell your information to data brokers,” Tsukayama said. “Maybe you’re willing to make some of those trade-offs. It’s all about clear communication.”
While your car’s or phone’s sensors can detect driving behavior, they’re not infallible: They may register you were the driver when you were in the passenger seat or detect distracted driving when you’re not even behind the wheel.
Only 38% of customers who use safe-driving apps say the data collected is always accurate, according to J.D. Power. Most programs allow users to request corrections, but the process is time-consuming and the options are limited. Travelers Insurance, for example, gives Intellidrive users 10 days to update that they were a passenger, not a driver, on a given trip.
The best way to estimate your costs is to request a quote
Travelers auto insurance policies are affordable and backed by the sixth largest company for car insurance by market share according to the NAIC. The company also offers a number of discounts to customers, including discounts for bundling, owning a hybrid or electric car, and good student discounts.
In most cases, policyholders need to enroll in the safe driving discount within the first few weeks of their policy going into effect. The insurer then tracks their driving for the duration of their term (usually six or 12 months) and then applies any discount at the next policy renewal.
In some cases, you may need to complete a certain number of trips within that time frame to qualify.
The full discount usually isn’t available until you renew, but most companies offer a smaller discount just for signing up: Nationwide, for example, takes 10% off your rate when you enroll in its SmartRide program. At renewal, the overall discount can increase to as much as 40%.
| Insurer | Program | Discount |
|---|---|---|
| Allstate | Drivewise | Up to 25% off |
| American Family | DriveMyWay | Up to 20% off |
| Farmers | Signal | Up to 35% off |
| Geico | DriveEasy | Up to 25% off |
| Nationwide | SmartRide | Up to 40% off |
| Progressive* | Snapshot | Average of $231 a year for drivers who save |
| State Farm | Drive Safe & Save | Up to 30% off |
| Travelers | Intellidrive | Up to 30% off |
| USAA | SafePilot | Up to 30% off |
Source: Discount information from insurers. Progressive did not disclose a percentage discount
If you’re a responsible motorist, safe driver apps are a great way to lower your rates. But, depending on your insurer, you could risk a rate increase.
You also need to decide if it’s worth your insurance company having access to that much data.
“If there are reasons that you might want to keep that information more [private], you might say, ‘Oh no, this is not for me,'” Tsukayama said. “The top thing is knowing what you’re getting into. Try to understand what they collect and use that to evaluate how comfortable you are with it.”
Whatever you decide, Tsukayam said, it should be an informed decision.
“At the end of the day, it’s your information,” she said. “It’s not theirs. They may be collecting it and holding it, but it’s about you.”
Information about CreditWise has been collected independently by Select and has not been reviewed or provided by Capital One prior to publication.
The exact discount depends on your insurance company, your policy and where you live. Nationwide cited a maximum discount of 40%, the highest among the companies we reviewed.
Depending on the insurer, your rates could increase or your information could be shared with marketing companies and other third parties.
Safe driving apps use your phone sensors to analyze movements and behaviors — like how your phone rotates when you enter your vehicle — to determine if you are the driver. Mislabeling of trips can happen but users can submit corrections.
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At CNBC Select, we work with experts who have specialized knowledge and authority based on relevant training and experience. For this story, we interviewed Hayley Tsukayama, associate director of legislative activism at the Electronic Frontier Foundation.
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every car insurance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
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PUNE, MAHARASHTRA, INDIA, July 15, 2023/einpresswire.com / — pammsoft private limited , a leading all-in-one digital agency specializing in software development, digital marketing, graphic designing, and custom software solutions, is proud to announce its unrivaled success in driving exceptional results for businesses through its innovative digital marketing strategies.
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Mr. Naveen Dhiraj
Pammsoft Private Limited
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In the grand game of real estate, there’s a new king on the board. The suburbs are not just surviving, they’re thriving, and it’s all thanks to the game-changer that is flexible work. Who needs a skyscraper view when your office is your living room, and your commute, is a mere amble from bed to desk?
“We expect the ability to WFH to remain an incentive for young families to seek out more remote suburban and rural markets where housing may be more affordable,” a recent Bank of America report suggests. It’s like swapping a sardine-can city apartment for a comfortable, spacious home. It’s not rocket science; it’s simply the art of making work work for you.
The five-day office week, like the dodo, is heading for extinction. Lawrence Yun, the chief economist at the National Association of Realtors, says, “A little bit of a longer commute is not a hindrance” if you’re not in the office Monday to Friday, 9-5. Not when you’ve got the flexibility to decide where and when you work. Why endure the daily urban rat race when you can occasionally roll with the relaxed suburban pace instead?
Related: A New Remote Work Trend is Helping Employers Retain Talent Amid Labor Market Pressures
Remember when we thought millennials were city slickers, with their Uber rides and brunch habits? Turns out, they’re embracing the suburban dream as eagerly as a kid pouncing on the last slice of pizza.
Hyojung Lee, a professor of housing and property management at Virginia Tech, humorously notes, “We’ve always talked about millennials as urban people… But it turns out they’re not that cool anymore.” Indeed, some 45% of millennials now plan to buy homes in the suburbs, according to a recent Bank of America survey. That’s up from 33% in 2015. Perhaps it’s not about being “cool” anymore but about being “smart.”
This new suburban migration is not just about homes and workplaces. It’s also transforming the gastronomic landscape. Urban retail vacancies surpassed suburban ones in 2022, for the first time since 2013, according to the Wall Street Journal. Like ants to a picnic, restaurants and retailers are flocking to these thriving town centers.
Consider the salad chain, Sweetgreen. Once a downtown staple, it’s now making the suburbs its main stage with 50% of its locations nestled there. And it’s not just salad — even big-name chefs are choosing suburban towns for their next culinary adventures. It’s as if suburbia has become the new Manhattan for the restaurant world.
The face of suburbia is changing, too. Long associated with homogeneity, suburbs are now outpacing the national average for racial diversity, according to a Brookings Institution analysis. The stereotype of the white picket fence is slowly giving way to a vibrant mosaic of cultural diversity.
Despite this suburban boom, downtowns aren’t ready to throw in the towel just yet. Yun reminds us that people are returning to city centers, even in the hybrid work era. And while suburbs close to cities are flourishing, demand in the far-out ‘burbs has dropped significantly since the pandemic’s peak.
So, in this grand game of real estate, it’s not about cities losing or suburbs winning. It’s about recognizing that the playing field is changing. As we embrace the flexibility that technology affords us, our living preferences are evolving in turn. As I tell my clients whom I helped figure out their return to office and hybrid work plans, you need to go where your employees are, rather than simply trying to impose a top-down command-control structure on them — at least, if you want to retain your top talent.
Underneath our decision-making processes, cognitive biases often run the show. They’re like puppeteers, subtly influencing our choices and judgments. Two key biases that might be influencing this suburban migration are the status quo bias and the anchoring bias.
First, let’s consider the status quo bias. This is our tendency to prefer things to stay the same by doing nothing or maintaining our current or previous decision. With the onset of the pandemic, the status quo was disrupted, forcing us to adapt to a new “normal” — working from home.
For many, this temporary change has transformed into a comfortable routine. The novelty has worn off, replaced by the status quo bias. We’ve become accustomed to the convenience, freedom and flexibility of remote work. The prospect of returning to our previous lifestyle — the daily commute, the rigid office hours — seems more daunting than sticking to the new status quo.
The anchoring bias, on the other hand, refers to our tendency to rely too heavily on the first piece of information we encounter (the “anchor”) when making decisions. When the pandemic hit, the “anchor” for many was the vision of a lifestyle free from daily commuting and office constraints. This initial impression has strongly influenced subsequent decisions about work and living arrangements.
Moreover, as we have seen suburban life flourish — with burgeoning retail spaces, diverse communities, and the promise of a more balanced lifestyle — these positive first impressions have only been reinforced. The anchor has been cast, and it’s landed firmly in suburban territory.
By understanding these cognitive biases, we can make more informed decisions about our work and lifestyle choices. As we navigate this era of change, it’s crucial to challenge our biases, question our assumptions, and remain open to all possibilities. Only then can we truly make the most of the opportunities that the future of work presents.
In the end, whether it’s the city’s siren call or the suburb’s sweet serenade that wins your heart, it’s clear that flexible work has forever changed the way we live. It’s reshaped not just our working lives, but our homes, our communities and our landscapes. The suburbs are having their moment in the sun, not as a retreat from the city, but as a compelling alternative.
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