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The Latest and Greatest: Technology and Auto Insurance

Do you consider yourself a good driver? Do you feel like you’re paying too much for car insurance? Chances are if you answered yes to the first question, you likely answered yes for the second as well.

With advanced developments in automotive technology, auto insurance companies are changing their ways – and their prices – to reward good driving behavior.

Vehicle Safety Improvements

Unless your vehicle was built before the mid-90s, chances are it is equipped with some form a modern technology that helps you be a better driver. These recent technologies include things like:

  • Automatic Breaking Systems
  • Telematics
  • Location Awareness
  • Vehicle-to-Vehicle Communications
  • Stability Control
  • Airbags
  • Back-up Cameras
  • Hands-free Calling Capabilities
  • Much more

Because all of these mechanisms help reduce the risks of everyday driving, like collisions and vehicle malfunctions, insurance companies are reducing their monthly premiums.

Driver Behavior Tracking Devices

Similar to the way vehicle safety improvements are reducing insurance prices, so are state-of-the-art tracking devices that monitor your driving. These devices, like Snapshot from Progressive, plug into your car’s diagnostic port to extract important computer data. This tool tracks things like:

  • The time of day you drive
  • Your mileage
  • Your acceleration rates
  • Your breaking rates

After recording your data for an extended period of time, you may be eligible for discounts based on your good driving habits. Though you won’t be penalized for driving poorly, you likely won’t receive any deductions on your monthly premium. 

Various other auto insurance companies are starting to follow this trend as well. Allstate tracks their drivers with a Drivewise tool that collects similar data and offers discounts for good driving. State Farm has recently implemented a Drive Safe and Save program, where drivers can earn discounts of up to 44% based on positive odometer readings.

Get Your Discounts Today

Stop overspending on car insurance and save today with help from Best Insurance Services. As auto insurance experts, Best Insurance works with you to find the best auto insurance rates in Moreno Valley.  And with partners like Progressive, we can help you find ways to lower your car insurance by utilizing top-of-the-line technologies. Call today to get started! 


photo credit: Drivers License -Teen driver via photopin (license)


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