Driving Device or App Car Insurance Discount

A driving device/app discount can save you up to 40 percent on your car insurance, but rates vary by company. Car insurance companies use telematics to monitor habits like speed, hard braking, and distracted driving to offer a safe driver discount based on your behaviors. However, pay close attention because some programs will actually raise your rates for unsafe driving instead of applying a driving device/app car insurance discount.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • You can save up to 40 percent on car insurance with a driving device/app discount
  • Most major auto insurance companies offer a usage-based program to reduce rates
  • Depending on the company, you may need a device or app to monitor your driving behavior

Many car insurance companies offer a driving device/app discount based on your safe driving. Each company uses a different telematics program that looks at specific driving factors and then offers a safe driver discount based on your score.

Before you buy car insurance with a driving device/app insurance discount, shop around to see who can offer you the best rates based on your specific driving.

Enter your ZIP code now to compare car insurance quotes with a driving device/app discount today.

What are driving device/app car insurance discounts?

Most car insurance companies offer driving device/app discounts that reward safe driving behaviors, encouraging drivers to improve skills that help avoid accidents and reduce insurance claims.

Each company monitors these skills differently. Some use a car monitor device that plugs into your car or attaches to your windshield. Other companies only get their data from an app that is installed on your phone and runs continually in the background.

The discount that is offered varies by company and by how well you drive. Some companies also offer an additional discount just for signing up.

Some companies like Nationwide SmartRide will give you a discount for the life of your policy, while others require your driving to be monitored each year.

One thing to be wary of is that some companies will actually raise your rates if they see that you aren’t driving safely. Not only will you not get a discount, but you could also wind up spending hundreds more a year.

For drivers who are confident in their safe driving skills, driving deals with a telematics program can save them a lot of money.

However, drivers who don’t exhibit those skills, drive a lot of miles, or drive during peak times won’t benefit from this type of program.

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What factors are used to determine your driving device/app discount?

Although factors will vary by company, there are certain things each car insurance company will look at to determine a discount for a driving device/app.

The general behaviors that are monitored are:

  • Speed
  • Hard braking and acceleration
  • Miles driven
  • Distracted driving
  • Time of day drive occurs

The major complaint with all telematics programs is that they can’t differentiate behaviors.

For example, you are penalized the same if you hit your brakes hard because someone pulled out in front of you or if you hit your brakes hard because you missed your turn.

The major benefit of these usage-based programs is that they can actually improve your driving. According to the Insurance Information Institute, drivers drive much safer when they get immediate feedback on their driving behaviors.

Driving Device/App Discount: The Bottom Line

The best insurance companies offer a driving device/app auto insurance discount but do some research before you enroll. Not all companies offer the same discount and some will actually raise your rates based on your driving behaviors.

Drivers with safe driving habits can find affordable car insurance with driving device/app discounts. Shop around and compare companies since each one will be very different.

Enter your ZIP code now to compare car insurance rates with driving device/app discounts to see who can offer you the best deal.

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