All drivers are not the same. So why should you be lumped in with everyone in your age group? Or zip code? At Advantage Insurance Network in Cincinnati, OH we strive towards an individual experience. Insurance companies have realized that driving habits can vary greatly from person to person, household to household, and have come up with ways to reward good driving behavior. Here are a few examples from the companies we represent:
Progressive – Snapshot
Progressive’s Snapshot device measures mileage, the time of day you drive and hard braking. It is NOT a GPS device. When you are enrolled in the Snapshot program, you can follow your driving behavior online and track your discount.
The average customer savings with Progressive’s Snapshot device program is $150 per year.
Your rate will not increase with Snapshot. A discount of up to 30% is applied at a vehicle level and will stay on your policy as long as your vehicle stays on the policy. An initial discount is applied after your first 30 days with Snapshot and after one policy term, your final discount is applied.
Travelers – Intellidrive
Travelers Intellidrive program gives you a discount based solely on the number of miles you drive. If you drive less than 13,000 miles a year you can get up to a 30% discount.
A 10% discount is added to your first policy term just for adding Intellidrive to your Travelers auto policy.
Teen driving with Travelers Intellidrive – Travelers Intellidrive allows parents to set up guidelines for how and where a car is driven. Parents can then set text or email alerts to know when the car is being driven outside these limits. Want a text message when your teen drives over 55mph? Sign up for Travelers Intellidrive. Want an email when your teen drives outside of the 30 mile perimeter you have set up? Sign up for Travelers Intellidrive. Parents can be reassured of good driving behavior even when they are not in the car.
When you log onto your online account you can track how and where the car is driven to better understand and improve your driving habits.
Allstate – Drivewise
Allstate’s Drivewise device measures mileage, your driving time of day, hard braking, and speeds over 80 miles per hour.
Allstate savings start as soon as you install the Drivewise device in your car. You can earn additional savings every six months with each Allstate policy renewal. Allstate Drivewise discounts are applied per vehicle.
Allstate Drivewise data can be accessed through your smartphone.
In order to maximize your discount with Allstate’s Drivewise program, you should average driving 25-30 miles or less per day, avoid driving over 80mph, avoid late night driving and maintain a safe driving distance between your car and the car in front of you to avoid hard braking.
Metlife – My Journey
Metlife’s My Journey device measures mileage, the time of day your car is driven, braking, speed, acceleration and cornering.
Metlife’s My Journey device is kept in your vehicle for 24 months. You can earn a discount of up to 30%. This discount is kept on your policy for as long as the car stays on the policy.
You can create an account on Metlife’s website to monitor your My Journey device that will allow you to track driving behavior and modify any potential bad driving habits that would go against your final discount with them.
If you think you could benefit from any of these discounts or are interested in learning about other potential discounts you could benefit from, contact us at Advantage Insurance Network in Cincinnati, OH. Or you can visit our website at any time at www.myadvantageinsurance.com.