{"id":501622,"date":"2022-10-17T22:07:29","date_gmt":"2022-10-17T19:07:29","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/how-do-car-insurance-tracking-devices-work-review-geek\/"},"modified":"2022-10-17T22:07:29","modified_gmt":"2022-10-17T19:07:29","slug":"how-do-car-insurance-tracking-devices-work-review-geek","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/how-do-car-insurance-tracking-devices-work-review-geek\/","title":{"rendered":"#How Do Car Insurance Tracking Devices Work? \u2013 Review Geek"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a326b82b4916\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a326b82b4916\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/how-do-car-insurance-tracking-devices-work-review-geek\/#%E2%80%9CHow_Do_Car_Insurance_Tracking_Devices_Work_%E2%80%93_Review_Geek%E2%80%9D\" >&#8220;How Do Car Insurance Tracking Devices Work? \u2013 Review Geek&#8221;<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/how-do-car-insurance-tracking-devices-work-review-geek\/#What_Is_a_Car_Insurance_Tracker\" >What Is a Car Insurance Tracker?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/how-do-car-insurance-tracking-devices-work-review-geek\/#How_Do_These_Insurance_Trackers_Actually_Work\" >How Do These Insurance Trackers Actually Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/buradabiliyorum.com\/en\/how-do-car-insurance-tracking-devices-work-review-geek\/#Car_Insurance_Tracker_Pro_and_Cons\" >Car Insurance Tracker Pro and Cons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/buradabiliyorum.com\/en\/how-do-car-insurance-tracking-devices-work-review-geek\/#Should_I_Use_a_Car_Insurance_Tracking_Device\" >Should I Use a Car Insurance Tracking Device?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"%E2%80%9CHow_Do_Car_Insurance_Tracking_Devices_Work_%E2%80%93_Review_Geek%E2%80%9D\"><\/span>&#8220;How Do Car Insurance Tracking Devices Work? \u2013 Review Geek&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<div id=\"article-header-area\">\n<p class=\"subheadingtext\">If you&#8217;re a good driver, you could save some money. <\/p>\n<p><!-- .entry-meta -->\n<\/div>\n<div id=\"article-content-area\">\n<figure style=\"width: 1920px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"type:primaryImage wp-image-133319 size-full\" data-pagespeed-no-defer=\"\" src=\"https:\/\/www.reviewgeek.com\/p\/uploads\/2022\/10\/959eac0b.jpg?width=1200\" alt=\"Car GPS and WiFi tracker app\" width=\"1920\" height=\"1080\" data-crediturl=\"https:\/\/www.shutterstock.com\/image-photo\/woman-connecting-car-her-smartphone-app-1140442724\" data-credittext=\"Nikola Stanisic\/Shutterstock.com\"\/><figcaption class=\"wp-caption-text\"><span class=\"type:primaryImage imagecredit\"><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.shutterstock.com\/image-photo\/woman-connecting-car-her-smartphone-app-1140442724\">Nikola Stanisic\/Shutterstock.com<\/a><\/span><\/figcaption><\/figure>\n<p>The gas pump isn\u2019t the only thing hitting your wallet. Auto insurance rates continue to increase, and many drivers are looking for ways to save money. These days,\u00a0car insurance tracking devices are available from most insurance companies, but what are they, and how do they work?<\/p>\n<p>Car insurance tracking devices are also known as \u201cdriver monitors,\u201d and you\u2019ve probably seen options for usage-based insurance discounts and premiums that use a tracking device.<\/p>\n<p>These devices connect to your car or are <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>-based and collect data about your driving habits, potentially offering discounts for safe drivers or those who don\u2019t drive often.\u00a0Here are the basics and what you need to know.<\/p>\n<h2 role=\"heading\" aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_Is_a_Car_Insurance_Tracker\"><\/span><a rel=\"nofollow noopener\" target=\"_blank\" name=\"autotoc_anchor_0\">What Is a Car Insurance Tracker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure style=\"width: 1920px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-133320\" data-pagespeed-lazy-src=\"https:\/\/www.reviewgeek.com\/p\/uploads\/2022\/10\/9c569317.jpg\" alt=\"Progressive Snapshot plug-in tracker\" width=\"1920\" height=\"1080\" src=\"\/pagespeed_static\/1.JiBnMqyl6S.gif\" onload=\"pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\" onerror=\"this.onerror=null;pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\"\/><figcaption class=\"wp-caption-text\"><span class=\"imagecredit\">Progressive<\/span><\/figcaption><\/figure>\n<p>A car insurance tracker is a plug-in device or smartphone app that tracks your vehicle, driving habits, and more and can offer savings of up to 30% off your insurance rates. One of the first that comes to mind is the Progressive Snapshot, which may provide <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/redirect.viglink.com\/?key=204a528a336ede4177fff0d84a044482&amp;u=https%3A%2F%2Fwww.progressive.com%2Fanswers%2Fusage-based-car-insurance%2F&amp;cuid=xid:{xid}&amp;___trxnet=vg\">usage-based premiums<\/a>.<\/p>\n<p>These devices all use GPS and other sensors, many of which are already inside your phone. Then, insurance companies use the data gathered to see if you\u2019re a safe driver.<\/p>\n<div class=\"Raw-slyvem-0 bCYKCn\">\nThere are two main types of auto insurance trackers available. The first one is essentially a dongle that the user plugs into the OBD-II port under the steering wheel. It plugs into the same spot the DMV uses to smog a vehicle. This is the \u201conboard diagnostic\u201d port, which can access vehicle computer information.<\/p>\n<p>The second is an app that you can download on your phone. Mobile apps use your phone\u2019s GPS, data, accelerometer, and other sensors to track movement and driving. The type of tracker depends on your insurance provider or plan and may vary by user and region.<\/p>\n<p>Lately, we\u2019re seeing most insurers ditch the dongle in favor of mobile apps, then you\u2019ll connect the app to a Bluetooth-enabled device your insurance provides and place it inside your car. Some of these include Progressive Snapshot, Drive Safe &amp; Save by State Farm, DriveEasy from Geico, and others.\n<\/p><\/div>\n<h2 role=\"heading\" aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_Do_These_Insurance_Trackers_Actually_Work\"><\/span><a rel=\"nofollow noopener\" target=\"_blank\" name=\"autotoc_anchor_1\">How Do These Insurance Trackers Actually Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure style=\"width: 1920px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-133321\" data-pagespeed-lazy-src=\"https:\/\/www.reviewgeek.com\/p\/uploads\/2022\/10\/c6dd9e36.jpg\" alt=\"car gps tracker app image\" width=\"1920\" height=\"1080\" src=\"\/pagespeed_static\/1.JiBnMqyl6S.gif\" onload=\"pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\" onerror=\"this.onerror=null;pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\"\/><figcaption class=\"wp-caption-text\"><span class=\"imagecredit\"><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.shutterstock.com\/image-vector\/orange-car-smartphone-route-points-location-1485351536\">Faber14\/Shutterstock.com<\/a><\/span><\/figcaption><\/figure>\n<p>So, how do these devices work, and what do they track? Again, this varies by brand, but the device or app will track your driving habits, location, vehicle information, and potentially more. Insurers provide the dongle or app as part of a usage-based insurance (UBI) program.<\/p>\n<p>Then, it\u2019ll gather metrics, including speed, hard braking, mileage, and even time of day, to formulate your monthly insurance premium. Here\u2019s a typical list of what you can expect the device or app to track:<\/p>\n<ul>\n<li>Driving speed<\/li>\n<li>Driver acceleration style<\/li>\n<li>Braking habits (how hard you brake, etc.)<\/li>\n<li>Steering (fast corners, sharp turns, etc.)<\/li>\n<li>Driving time, length, direction, and distance (day or night driving)<\/li>\n<li>Mileage<\/li>\n<li>Driving location<\/li>\n<li>Phone usage (on app-based trackers)<\/li>\n<li>and more<\/li>\n<\/ul>\n<p>As you can see, these devices or smartphone apps collect a lot of information. And while insurance brands understand hard braking is a part of life sometimes, the system can take critical information about your location, traffic lights, and speed limits all into account.<\/p>\n<p>Insurance companies know certain situations happen on busy roads, but if you\u2019re constantly driving erratically, they\u2019ll recognize that.\u00a0On the flip side, if you\u2019re a safe driver, the system will gather that data, and you\u2019ll get a lower insurance premium.<\/p>\n<h2 role=\"heading\" aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Car_Insurance_Tracker_Pro_and_Cons\"><\/span><a rel=\"nofollow noopener\" target=\"_blank\" name=\"autotoc_anchor_2\">Car Insurance Tracker Pro and Cons<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure style=\"width: 1920px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-109552\" data-pagespeed-lazy-src=\"https:\/\/www.reviewgeek.com\/p\/uploads\/2022\/02\/f443ade2.jpg\" alt=\"Tesla interior and display\" width=\"1920\" height=\"1080\" src=\"\/pagespeed_static\/1.JiBnMqyl6S.gif\" onload=\"pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\" onerror=\"this.onerror=null;pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\"\/><figcaption class=\"wp-caption-text\"><span class=\"imagecredit\">Tesla<\/span><\/figcaption><\/figure>\n<p>As you can probably imagine, there are several different pros and cons when using a car insurance tracking program. The most obvious pro is that you\u2019ll get a lower insurance premium and save money, especially if you\u2019re a safe driver or don\u2019t drive very often.<\/p>\n<p>Additionally, if you frequently speed, roll through stop signs, and don\u2019t exhibit good driving habits, you might not want one in your car. You could potentially increase your rates. The insurance companies tend to frame it like \u201cyou\u2019ll get a discount no matter what,\u201d but that\u2019s not always the case.<\/p>\n<p>All of these insurance tracking devices track your location thanks to GPS. Knowing your vehicle\u2019s location has several advantages outside of rate pricing. For example, location data can help first responders in an accident, aid in retrieving a stolen or towed vehicle, and much more.<\/p>\n<p>Another huge benefit for parents is the ability to track or monitor kids and teen drivers. Many of these platforms offer an app for parents to see when and where kids go, speeds, and other risky behaviors. It\u2019s a great way to track children or elderly family members.<\/p>\n<p>However, with all the data insurers collect, privacy is a concern. <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.iii.org\/article\/background-on-pay-as-you-drive-auto-insurance-telematics\">According to<\/a> the <em>Insurance Information Institute<\/em>, many states have\u00a0legislation to ensure insurance companies are open, honest, and transparent about the information collected.<\/p>\n<p>That said, remember that your insurance company will have a ton of information about you, where you go, driving speeds, and much more. And, as we said earlier, some of the app-based programs can and will track phone usage, which could lower rates if you\u2019re actively using a mobile device and texting while driving.<\/p>\n<h2 role=\"heading\" aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Should_I_Use_a_Car_Insurance_Tracking_Device\"><\/span><a rel=\"nofollow noopener\" target=\"_blank\" name=\"autotoc_anchor_3\">Should I Use a Car Insurance Tracking Device?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure style=\"width: 1920px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-129060\" data-pagespeed-lazy-src=\"https:\/\/www.reviewgeek.com\/p\/uploads\/2022\/09\/7f35703c.jpg\" alt=\"odometer reading car\" width=\"1920\" height=\"1080\" src=\"\/pagespeed_static\/1.JiBnMqyl6S.gif\" onload=\"pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\" onerror=\"this.onerror=null;pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\"\/><figcaption class=\"wp-caption-text\"><span class=\"imagecredit\"><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.shutterstock.com\/image-photo\/speedometer-163011983\">Ensuper\/Shutterstock.com<\/a><\/span><\/figcaption><\/figure>\n<p>So, is an insurance tracking device or driver monitor worth considering? Honestly, we can\u2019t answer that question for you. There are obviously several huge benefits. Whether that\u2019s tracking your kids, finding a stolen vehicle, or saving monthly money.<\/p>\n<p>Then again, privacy is a growing concern (in general) these days. Where is this information going? Does the company sell any data, and can you opt out of sharing specific details? Those are all questions you\u2019ll want to ask your provider.<\/p>\n<p>At the end of the day, it\u2019s up to you. If you\u2019re a safe driver with good habits, you could benefit from one. Those who don\u2019t break the speed limit, rarely drive at night, or even go under 11,000 miles a year may see discounts.<\/p>\n<p>Some car insurance providers even have an app you can download and run for a few days as a test, then see if you could qualify for cost-saving plans. Either way, remember that if you have a car insurance tracker, every move you make in a vehicle will be tracked, monitored, and aggregated into a data point.\n<\/p><\/div>\n<p><script>\nsetTimeout(function(){\n  !function(f,b,e,v,n,t,s)\n  {if(f.fbq)return;n=f.fbq=function(){n.callMethod?\n  n.callMethod.apply(n,arguments):n.queue.push(arguments)};\n  if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';\n  n.queue=[];t=b.createElement(e);t.async=!0;\n  t.src=v;s=b.getElementsByTagName(e)[0];\n  s.parentNode.insertBefore(t,s)}(window, document,'script',\n  'https:\/\/connect.facebook.net\/en_US\/fbevents.js');\n  fbq('init', '1137093656460433');\n  fbq('track', 'PageView');\n  },3000);\n<\/script><\/p>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. 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Nikola Stanisic\/Shutterstock.com The gas pump isn\u2019t the only thing hitting your wallet. Auto insurance rates continue to increase, and many drivers are looking for ways to save money. These days,\u00a0car insurance tracking devices are available&#8230;<\/p>\n","protected":false},"author":1,"featured_media":501623,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/www.reviewgeek.com\/p\/uploads\/2022\/10\/959eac0b.jpg","fifu_image_alt":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-501622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/501622","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=501622"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/501622\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/501623"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=501622"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=501622"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=501622"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}