Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Driving plug-in apps or devices record and submit detailed and accurate data to an insurance company
  • The devices and apps may help drivers receive a generous insurance rate discounts
  • Reviewing policy quotes helps with finding this and other types of discounts
  • Driving device/app discounts may reduce full coverage car insurance rates by up to $35.70/mo or $428.40/yr

Drivers would like a safe journey free of any accidents or mishaps. Since accidents and other problems cannot always be avoided, drivers rely on their auto insurance coverage to handle collision-related costs.

Truth be told, drivers do want to save money on their car insurance.

When you take steps to increase your ability to drive safely, less-costly insurance rates may follow. Installing a driving device/app gets is one way to get a discount with certain insurance companies.

If you want to start saving some money, look for providers who offer such a deal and then install the appropriate device or app.

Compare car insurance quotes to find the best deal for the coverage you need. Enter your ZIP code above to get started.

Table of Contents

How do safe driving apps work?

Not every app/device is identical, but they all seem to serve a single purpose. These units log how a driver performs on the road. The data saved and stored on the device tells a consistent tale about a driver’s safety and performance.

Depending on the particular insurance provider you work with, the program may require a mobile app or a plug-in device.

Once the app/device is in place, the program creates a log of driving figures including:

  • Location
  • Conditions
  • Performance
  • Handling

These three statistics craft a near-perfect biography of the driver. Where you drive your car factors into concerns over risk. You may have seen signs posted on highways stating “high accident area.”

Those signs exist to warn drivers to be extra careful. Someone who doesn’t drive on roads known for excessive risks and hazards becomes less likely to file a claim.

Similarly, someone who rarely drives through rush hour traffic or in bad weather conditions won’t be at as high of a risk for an accident.

Of course, how you drive plays a major role in the avoidance of risk. A person who stays in the right lane and never speeds decreases his/her chances of a collision.

Someone who doesn’t drive very much becomes even less of a risk.

With an effective app/device, a lot of good information about your driving habits gets conveyed to the insurance company.

Since you know the insurance company eventually learns your every move when driving, you likely will be extra careful. Either way, the insurance company cuts your rates for operating the program.

The rate discount could even be as high as 30 percent. And that is just for one discount. Several could possibly be bundled.

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What insurance companies offer a driving device/app discount?

A driving device/app can hardly be called a rare discount. A great many of the top insurance providers offer this particular discount. The big insurance names putting forth the discount include:

  • AAA
  • Allstate
  • American Family
  • Esurance
  • Liberty Mutual
  • Metlife
  • Nationwide
  • Progressive
  • Safeco
  • State Farm
  • The Hartford
  • Travelers
  • USAA

The number of participating insurers could increase or decrease. An increase probably would be more likely.

An insurance provider wouldn’t see too many drawbacks from giving this discount. Safe drivers aren’t going to find too many negatives with enrolling in the program.

How do I request an app or device?

Specific instructions are spelled out by the specific insurance provider offering the discount. Slight differences usually exist between how one insurance company chooses to run the discount program vs. the way another one does.

Commonly, contacting the insurance company’s customer service department reveals all.

An insurance company could provide the unit directly to a customer. With a plug-in, the device would be mailed along with the necessary instructions. A mobile-only requires downloaded and activated.

Be sure to follow all rules associated with using the device or app.Otherwise, the discount could be put in jeopardy.

If questions about how to use the app or device arise, direct them towards the insurance company. Don’t guess and run the risk of making an error and ruining your discount.

Free mobile apps do exist and the programs aren’t too difficult to find online.

Whether your insurance company recognizes the merits of a particular app is another matter. Always check with the insurance provider to determine what free third-party apps are acceptable to receive a discount.

Search for the Discount and Provider

Always be in the habit of examining auto insurance quotes at least once every six months. Do this even when you already maintain an insurance policy.

Reviewing policy quotes not only helps you find excellent auto liability coverage, but a thorough search may also reveal information about excellent discounts.

Customers interested in driving device/app discounts may look for the availability of price reduction deals when requesting online quotes. Look over several quotes and do so thoroughly.

A thorough approach might bring you down the path of locating outstanding insurance at the best price.

Compare car insurance quotes today to find the company that’s right for you. Enter your ZIP code below to get started.