IntelliDrive is a smartphone app that uses a smartphone to monitor driving behavior and miles driven data, adjusting insurance rates every policy term based on these data. It provides a dashboard for quick checking driving performance and recent trips, as well as safe driving tips. The app also features a distraction-free streak feature, allowing users to track their number of trips completed in a row without interacting with their phone.
Travelers IntelliDrive is a continuous driving program that records data about driving habits, reports it back to Travelers, and rewards drivers for good driving habits. Insurance rates are largely based on the driver’s driving record, which can be obtained from the DMV or from insurers or third parties. If errors are found on the driving record, it is important to contact the DMV.
Insurers check driving records using a driver’s abstract, which is not for exclusive use but can be ordered by individuals. The AutoPlus report, which includes information about the most current policy and insurance claims, is another important risk factor companies consider when applying for auto insurance. To obtain a driving record in your state, contact your local Department of Motor Vehicles or Department of Public Safety.
Your driver profile provides insurer details such as age, gender, location, credit score, claims history, and more. Insurance companies can check a driving record using one simple legal identifier: your driver’s license. IntelliDrive offers a convenient way to monitor driving performance and save money on car insurance premiums.
📹 Travelers Auto Insurance Review
Time Stamps 00:00 Intro 00:38 How much does Travelers auto insurance cost? 00:57 Rates for drivers with at-fault accidents, low …
Can insurance companies see if your license is suspended in Ontario?
Insurance companies check driving records for license histories to determine any suspensions or driving courses, which can impact insurance rates. Requests for this information can be made by the driver, a Canadian law enforcement agency, or court order. The record includes driver identification details, completion of the Ontario Beginner Driver Education course, current and residential addresses, license replacements, renewals, class changes, and a 5-year driver’s record, which is preferred by insurers to verify longer-term experience.
How far back do insurance companies look at your driving record in Ontario?
The time at which insurance companies undertake to review driving records is subject to variation. The majority of insurance companies examine driving records for a period of three years for citations and six years for accidents, with some extending this period up to ten years. In order to obtain a copy of one’s driving record, a fee is required, the amount of which is dependent upon the type of record in question. A list of available abstracts and associated costs is provided by Service Ontario.
How does IntelliDrive know if I’m driving or a passenger?
The IntelliDrive application, when installed on a compatible smartphone, is capable of automatically detecting the commencement of a journey and initiating the collection of driving data for a period of 90 days. This data is then used to assess the overall driving performance of the user.
How does Drivewise know if I am driving or a passenger?
Drivewise is a GPS tracking app that uses your phone to detect trips when you’re a passenger, even in other vehicles like Lyft, Uber, or taxi. It automatically predicts whether you’re a driver or a passenger and counts only driver trips towards your score. If Drivewise incorrectly determines you’re a driver, you must manually edit the trip in the app. If you forget, your discount could be undermined by another driver’s poor habits.
The State Farm setup relies on a Bluetooth connection between your phone and the tracking device, which may be less bothersome for those who rarely ride in other vehicles. To use Drivewise, you must allow the Allstate mobile app to monitor your location data at all times, which may be a reason to skip the Drivewise discount.
How to beat Travelers in IntelliDrive?
The MarketWatch Guides Team reviews Travelers IntelliDrive, a usage-based program that can potentially save you on your premium. The program monitors your driving for 90 days to determine the rate you’ll receive when your policy renews. It’s important to stay within the speed limit to react to potential issues on the road. Smooth acceleration is better for your IntelliDrive score. Avoid hard braking or following other cars too closely. Stay focused by not touching your smartphone while driving. IntelliDrive can help you improve your driving habits, such as speeding, driving late at night, or holding your phone while driving.
How does Snapshot know if I’m driving or a passenger?
The Snapshot app with Road Test is designed to detect whether the user is driving based on the user’s speed and distance, and to identify the user as the driver. This is an automated feature that enables the user to gain access to the vehicle with minimal effort. It is not necessary to activate the application each time the vehicle is entered; merely maintaining the mobile phone in an operational state while the vehicle is in motion is sufficient.
How long does a car accident stay on your driving record in Ontario?
In Ontario, an at-fault accident can remain on a driver’s record for up to six years, impacting car insurance rates. Insurance providers and policies vary, but most consider accidents within this six-year window when calculating rates. Some insurance companies offer an “accident forgiveness” option for extra premiums. Traffic violations and accidents collectively shape a driver’s risk profile, with each infraction or at-fault accident suggesting a higher likelihood of filing future claims.
Insurance companies adjust premiums upwards for drivers with at-fault accidents and traffic violations. Personal injury lawyers can provide legal assistance and help navigate the complexities of insurance claims, protecting individuals’ rights throughout the process.
What is considered a clean driving record in Ontario?
A clean driving record is a record that does not contain any accidents, moving violations, or demerit points. Employers determine what constitutes a bad driving record, and there are different types of Ontario driving records. A Statement of Driving Record is a 3-year abstract that lists accidents, demerit points, tickets, or suspensions reported on the driver’s license. A five-year abstract is used for more extensive histories. A Driver License History is a history of an individual’s license, including changes, renewals, and replacements.
An Extended Driver Record is a 3-year record that includes all information found in a driving record, Highway Traffic Act, and criminal convictions throughout Canada. RightFit Plus offers a 3-year uncertified driver abstract.
How long does a suspended license stay on your record in Ontario?
A license suspension in Ontario may last for a minimum of ten years, resulting in a permanent impact on one’s driving record. Medical reasons for suspension include substance/alcohol abuse, heart conditions, cognitive impairment, or other medical issues that may affect safe driving, such as substance/alcohol abuse or cognitive impairment.
What happens if you drive with a suspended licence Ontario?
In Ontario, driving with a suspended license can result in severe penalties, including a fine of up to $5, 000, up to six months in jail, and a further suspension of your license. This is a serious offense that should not be taken lightly and can even result in a jail term. A suspended license can be withdrawn by the licensing authority for various reasons, such as failing to pay fines, accumulating too many demerit points, or being convicted of a serious traffic offense. The suspension will not be lifted until the suspension is lifted, and you may be required to take a driver’s test or complete a driver’s education course before your license is reinstated.
Can I remove IntelliDrive after 90 days?
The Travelers IntelliDrive program is a driver assistance program designed to help drivers manage their insurance policies. The program requires drivers to download the IntelliDrive app and any updates on eligible smartphones, and failure to do so may result in removal from the program. The app is provided by Cambridge Mobile Telematics, and drivers who provide mobile numbers for other drivers on the policy have full authority to enroll them in the program and consent to receiving SMS/text messages as part of the enrollment.
The program is based on capturing driving behavior data for each enrolled driver, and drivers agree to maintain the app on their phones, carry them with them, and keep them powered on while driving. All enrolled drivers can access the program registration status and driving performance for other drivers on the policy. The app is intended for use by drivers of legal age and holding a valid state driver’s license.
📹 Uncover the Shocking Consequences of Car Insurance Tracking Devices!
In this video, we’re discussing the risks of using car insurance tracking devices. These devices collect tons of personal information …
I have State Farm with the device. I live in a neighborhood that I can only leave via a busy 55 mph highways. EVERY time I get what I call a DING for acceleration when I pull out into the traffic. If I encounter a vehicle pulling in too close to me and I apply the brakes, I get a ding. My insurance for autos, home and umbrella go up every year. I just received a bill that is 35% higher than it was just 3 years ago. We have zero claims, drive about 8,000 miles a year on two cars and NEVER use the phone while the car is mobile. I am being ripped off.
I just switched to allstate auto insurance. Immediately I started getting notices to get their app to track my driving habits in exchange for a 10% discount. Mmm, I don’t think so. Sometimes we need to defensively accelerate or brake quickly. Then these actions can be used against us as dangerous driving. That’s a chance I’m not willing to take.
My elderly buddy just did this because his insurance tripled. He has never made a claim. Drives a 2006 Honda. Now with State farm he took the 10% discount and plugged the device in to the OBD 2 port. He only drives maybe 20 miles a week. I don’t see how the monitoring device could harm the car’s computer unless it’s programmed to alter the perimeter’s of the computer. The onboard computer is running calculations many times a second while he’s driving around. Something that just monitor’s and reports basic data should not affect the life of the computer. If asked by my insurer Farmer’s I’d pass even if they offered a discount they can retract any time they want and raise premiums over something they don’t like. These companies know way to much about us already. Give the device back and say no thank you.
You have to think about it…why would a company go through the trouble of investing and creating this technology if the long term implications meant everyone saving 10-50% on their car insurance. The simple answer is: they wouldn’t. They needed a way to justify raising drivers rates. They wrote the algorithm in a way that will find fault in the safest drivers. That defensive driving maneuver you just pulled that saved your life and everyone around you…well it just peaked the accelerometers and gave you a ding and will lead to another reason for them to raise your rate…and they don’t care about the context of the situation. This is a resources extraction device, a trojan horse that comes in under the guise of safety and rate reduction…and objectively does neither. I personally don’t know anyone that has one of these devices whose rates have gone down, but I’d like to see the data. I would predict(before even looking at the data) that this has been a successful endeavor for the insurance industry…increasing rates on average, and increasing profits across the board.
Lauren great information everyone appreciates your knowledge, but I would like to add just one more piece of good information for you and your viewers, The device sometimes called a dongle that your auto insurance company gives you to install into your diagnostic port of your vehicle can and in most cases due damage to your auto these insurance devices are not designed to be plugged in and left in your diagnostic port all the time. Thanks again
My local auto mechanic/technician garage recommended not getting one these OBD2 scan dongle for insurance. The Engine Control Unit/Module (ECU or ECM) and Transmission Control Unit/Module (TCU or TCM) with the OBD2 port are designed to engine and transmission operations, and to report codes to a mechanic/technician’s OBD2 scan, on relatively short-term basis; not left in on a regular basis.
I just got progressive car insurance and my sister gave me her 2015 Buick Encore. I got the gadget THEN watched some you tube, and how the gadget can damage the battery, etc, YIKES . Backwards mistake. Sent the Gadget back. Will do more research on Insurance after this one expires……. Thank you for posting this, it is very helpful!
This is a brilliant strategy by SF. If their drivers follow all traffic laws they are very unlikely to be at fault in an accident. That greatly reduces the insurance payouts for at fault accidents. Since there are too many lawless drivers out there SF and others would rather not insure lawless drivers. They will eventually have every customer using these devices or they can look somewhere else for more expensive insurance.
They do it anyways. Every since OnStar. Your cell phone should indicate what’s your insurance rates should be by your compliance with rules, of the road, accordingly. Your cell phone should also shut off when it’s going over 5 miles an hour and not turn on until it’s been stopped for a short amount of time before you can actually call out or have the volume up. They won’t do that because the cell phone companies would lose way too much money. They are the enabler for phone laws to be effective.
I’m so sick of all these shafting company’s and throwing the damn cost on ACTUAL safe drivers. State Farms program is utter nonsense to which is why i haven’t signed up only considering it to save maybe a fraction of cost but their program is INDEFINITE. Yet they only claim you can mostly get half of the marketed discount. It’s all a joke…
There’s too many reckless drivers on the road. The police do not enforce traffic laws. If you drive prudently you have nothing to worry about. Young males in their souped up muscle cars should take note. Insurance companies have a vested financial interest in not paying massive claims due to reckless drivers