IS USAGE-BASED INSURANCE RIGHT FOR YOU?

Usage-based auto insurance (UBI) allows insurers to track driving behavior to customize premium discounts and benefits for individual drivers. Think you are safer than average? Insure U's DriveCheck helps gauge how you might score before you agree to plug in your insurer's diagnostic device.


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Tell us about yourself.


Tell us about yourself.


How's My Driving?

Now, indicate the degree to which your driving attitudes and behavior align with the statements that follow. Be honest. The telematics device sees all.

START

How's My Driving?


Average distance (miles) you drive per year.

Your Answer

Miles to Go

Though the definition of "low mileage" varies by insurance provider, the standard mileage cap typically falls between 7,500 and 15,000 miles per year. If your annual mileage generally does not exceed this range, you may qualify for a low-mileage discount.

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Please indicate your routine drive time, i.e., the time of day you typically spend the MOST time behind the wheel.


Please indicate your routine drive time, i.e., the time of day you typically spend the MOST time behind the wheel.

Your Answer

Testy Time of Day

Most accidents occur during evening rush hour, between 3 p.m. and 6 p.m. However, Saturday is the most dangerous day of the week to drive, primarily because there are more cars — and more drunk drivers — on the road.

Source: https://one.nhtsa.gov/

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I take care to maintain a safe driving distance between myself and the vehicle in front of me.

Your Answer

Trouble With Tailgating

When determining safe following distance, the National Highway and Traffic Safety Administration (NHTSA) recommends drivers follow the 3-second rule: Find a marker on the side of the road. After the vehicle in front of you passes that marker, you should be able to count to three before you pass the same marker.

Source: https://www-nrd.nhtsa.dot.gov/pdf/esv/esv19/05-0282-o.pdf

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How's My Driving?


Whether in city traffic or on the interstate, I tend to drive within 5 miles per hour of the posted speed limit.

Your Answer

Speed Kills

Nearly half of all drivers (46.8 percent) report having driven 10 mph over the speed limit on a residential street, with 12.1 percent reporting they do so fairly often or regularly. Alarmingly, one report found that when travel speed increases by 1 percent, the injury crash rate increases by 2 percent, the serious injury crash rate increases by 3 percent, and the fatal crash rate increases by 4 percent.

Source: https://www.aaafoundation.org/sites/default/files/2012TrafficSafetyCultureIndex.pdf

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How's My Driving?


Traffic light turns yellow as I'm approaching an intersection.

Your Answer

Proceed With Caution

The law states a driver must stop at a yellow light unless he or she is too close to the intersection to do so safely. So, how do you define "too close?" A common rule of thumb: 100 feet or less. Actual safe distance varies depending on traffic speed and/or following distance of cars behind you. When in doubt, drivers should err on the side of safety.

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How's My Driving?


Driver exhibiting distracted, inconsiderate or otherwise "bonehead" behavior on the road.

Your Answer

Road Rage Risks

AAA Foundation for Traffic Safety study found that over a seven-year period more than 12,500 injuries and 200 deaths could be linked to driver violence. Half of drivers who shared road rage stories admitted to engaging in aggressive behavior in response. AAA and NHTSA warn drivers to avoid giving in to the temptation to seek revenge or intimidate aggressive drivers as this behavior often escalates, putting even more drivers at risk.

Source: https://www.aaafoundation.org/sites/default/files/roadragePR.pdf

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How's My Driving?


How's My Driving?


I tend to use electronic communication devices while driving speaking/typing.

Your Answers

No Tech While Driving

In 2015 alone, 3,477 Americans were killed and 391,000 were injured in motor vehicle crashes involving distracted drivers. Texting is the most alarming distraction. Sending or reading a text takes your eyes off the road for 5 seconds. At 55 mph, that's like driving the length of an entire football field with your eyes closed. Program your GPS before you get behind the wheel, and think about what calls or texts you might need to send. To avoid temptation en route, download an app that disables texting while driving, put your device in the trunk or glove box, turn your phone on "silent" or simply turn the phone off.

Source: https://www.nhtsa.gov/risky-driving/distracted-driving

RUN DIAGNOSTIC

YOUR RESULTS:

Based on your responses, the likelihood you will benefit from usage-based auto insurance is VERY LOW. However, it might be beneficial for you to learn about UBI and how you could save money on insurance. To find out more, select How UBI Works.

Based on your responses, the likelihood you will benefit from usage-based auto insurance is LOW. However, it might be beneficial for you to learn about UBI and how you could save money on insurance. To find out more, select How UBI Works.

Based on your responses, the likelihood you will benefit from usage-based auto insurance is MODERATE. Whether or not you qualify for immediate discounts, your score suggests the program's electronic alerts and driving tips may help you earn future savings. To find out more, select How UBI Works.

Based on your responses, the likelihood you will benefit from usage-based auto insurance is HIGH. In addition to the potential for immediate discounts, your score suggests the program's electronic alerts and driving tips could help you save even more in the future. To find out more, select How UBI Works.

Based on your responses, the likelihood you will benefit from usage-based auto insurance is VERY HIGH. In addition to the potential for immediate discounts, your score suggests the program's electronic alerts and driving tips could help you save even more in the future. To find out more, select How UBI Works.

HOW UBI WORKS START OVER

Usage-Based Auto Insurance

How It Works

  • Sign Up. Contact an insurance provider to set up tracking using a mobile app, or built-in or plug-in device.
  • Drive. The device tracks and analyzes how you drive for a set period, usually a minimum of 30 days. Most programs allow you to check your progress throughout and include tips to help you save.
  • Decide. At the end of the review period, the insurer offers discounts and other benefits to safer-than-average drivers. Shoppers Beware: Some insurers may increase rates for high-risk drivers.

Need more?

Your state insurance department has usage-based auto insurance information specific to where you live.

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