Usage-based insurance programs explained Posted in General, Auto The road can be an unpredictable place for drivers and passengers alike. Knowing this, you may have developed better driving habits to keep yourself and others safe on the road. These habits may include checking your blind spot, maintaining a safe following distance and driving below the speed limit. As insurance carriers take notice, many carriers are rewarding their customers for their safe driving through a usage-based insurance program. If you are unsure of what usage-based insurance (UBI) is, keep reading to learn more about it and how it could save you money on your insurance. What is usage-based insurance and how does it work? Simply put, UBI tracks your driving habits and uses the data collected to offer discounts on insurance premiums. Data collected differs from carrier to carrier, but could include various driving factors including miles driven, time of day, braking and acceleration, distracted driving, and road type (highways, local roads). Data is collected using in-car toggle systems (devices installed in the vehicle to track driving data) or a smartphone app. Depending on what data is collected, that data is then used to calculate premium discounts as a reward for safe driving habits. It’s simple - the safer you drive, the more you can save. Why is usage-based insurance important? Not only do UBI programs allow drivers to receive discounts on their insurance, they help make roadways safer by encouraging better driving behavior. Individuals can see metrics on their driving habits and adjust in order to make the roadways safer and potentially earn a bigger discount. Plus, this driving data helps insurance carriers offer more competitive rates to their customers. Enroll in Integrity’s OnTrack UBI program and earn a discount With Integrity’s OnTrack safe driving program, you are in control of how much you save on your car insurance – up to a 20% discount! The process is 100% digital via the OnTrack smartphone app. Integrity’s program rewards you based on a driving score after 90 days. That means, even if your driving needs a little work, you won’t be surcharged. You can start saving immediately with an automatic discount at enrollment through an Integrity auto insurance policy. Plus, you could earn an additional discount at renewal based on your driving score after 90-days. Click here for more information about Integrity’s OnTrack program. To learn more about how you can take control of your auto coverage and start saving, contact your local independent agent today to learn more about OnTrack and request a quote. Disclaimer: This article is for informational and suggestion purposes only. If the insurance policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies. Share via: Facebook Twitter LinkedIn Email Related resources Child and pet hot car safety tips Posted in General, Auto, Life Most heat-related incidents are unfortunate, however they are preventable. Learn how to keep children and pets safe from the risks associated with being in a hot car. Exploring types of auto insurance Posted in Auto Understanding each specific type of auto insurance and when it should be purchased (or not) can help you select the most practical protection for your needs. Discover the differences which could potentially save you money.