"Drive and save" programs are nothing new. Progressive introduced their Snapshot program in 1998. Since then State Farm, Allstate, Liberty Mutual, and Nationwide among others have rolled out comparable applications to trace driving habits and reward drivers with safe driving reductions. "Drive and save" applications are nothing new. Progressive launched their Snapshot program in 1998. Since then State Farm, Allstate, ItagPro Liberty Mutual, and Nationwide among others have rolled out comparable packages to track driving habits and reward drivers with secure driving reductions. But it surely isn’t 1998 anymore, and ItagPro issues about who sees our knowledge and how our information is used have made consumers cautious of Snapshot and different tracking apps. How much information do these applications really acquire? What else could your insurance coverage firm be doing along with your data? As to whether or not you’ll really obtain a discount from utilizing a automotive insurance coverage tracking device or app, that is dependent upon how your insurance coverage firm defines "safe driving".

But in case you are in a car accident, your insurance company could use your tracking knowledge to assign fault the place it isn’t due. Once upon a time, plugging a telematics device into the automotive was the one approach to collect driving data. Now insurance coverage firms can collect the identical information through smartphone app or OnStar. Telematic units monitor a selection of knowledge. Common information consists of acceleration rate, drive pace, braking velocity, and total miles driven. DriveWise by Allstate and Snapshot by Progressive are two of the few applications that nonetheless supply a telematics device as well as an app version to your telephone. Apps work the same because the plug-in machine, however often require Bluetooth or location companies to be turned on each time you drive. You'll be able to then see how your driving habits stack up on the app, on your insurer’s website, or iTagPro locator by way of e mail studies. Insurance firms don't want to half with a single dime except they should.

As to whether or iTagPro smart device not or not your driving habits will really earn you a low cost, the boring answer is: ItagPro it depends. State Farm claims that some users could earn as much as a 50 p.c low cost. Allstate offers a discount only for signing up for ItagPro Snapshot, iTagPro and the average Snapshot person saves 145 dollars after they renew their coverage, usually 6 months after signing up for the program. But these are the numbers put out by the businesses. As to whether or not or not prospects really feel like they’ve gotten their money’s price from these programs, reviews are divided. Some drivers even saw their charges rise after utilizing drive tracking packages. And as some have pointed out, there is the chance that insurance coverage corporations will merely increase their premiums to cancel out any earned discount. What Data is Collected by Drive Tracking Programs? Insurance corporations use data collected by their driving packages to find out whether or not you qualify for a protected driving discount.

Different insurance coverage firms use totally different metrics to measure secure driving. The Allstate Drivewise app stores the time of day you drive, braking, pace, iTagPro key finder parking location, mileage, and trip information. Allstate solely uses the time of day, iTagPro shop braking, and velocity to calculate month-to-month reductions. Drive Safe and ItagPro Save from State Farm dings your driving performance if you are taking "quick, sharp turns," and tracks acceleration and iTagPro technology braking speeds. The app also tracks how usually your phone is used while you drive, though they are saying cellphone utilization won’t have an effect on your discount. The truth that your insurance firm gets to determine what protected driving appears like could ring some alarm bells. After all, what’s to stop them from setting the bar so excessive that earning a discount becomes impossible? And there's the thriller of what occurs to your data as soon as it's collected. Besides incomes you a discount, might your insurance coverage company be using your knowledge for one thing else? And in case you are ever in a automotive accident, may your knowledge be used in opposition to you?

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Pub: 17 Sep 2025 20:46 UTC

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