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auto insuranceToday, Auto Insurance incorporates technology in a variety of ways.  Policies can be bought onlineClaims can be filed through an app on your phone.

Convenience has been a driving force behind the development of new technology.

Insurance companies tell us that safety also drives technology developmentDriver tracking apps, they say, promote safety behind the wheel.  They track things like your speed, any sudden stops, as well as the times you drive.

For this, the insurance companies offer you a discount.

But all this convenience and safety may come at another price: your privacy.

The Santa Clause of Auto Insurance

Auto Insurance driving technology doesn’t know when you’ve been sleeping or awake.  However, it knows when you’ve been a bad driver.

Consumer Reports states that bad driving can cause premium increases.  If the driving history captured by your tracker shows you drive more than previously stated, that can cause a premium increase.

Of course, the potential for premium increases goes toward your insurer’s goal of making you a safer driver.  Research has also shown this technology to more substantially improve the habits of younger drivers.

Depending on the type of device used to track your driving, you could be tracked all the time.

auto insuranceCNBC reports that usage-based coverage that requires you to download an app to your phone automatically tracks all of your movements.  These apps generally build a profile of the driver and are always running in the background.

In addition to the drain on your battery and data usage, it logs a trip no matter the mode of transportation.

You could be a passenger in a carpool or on a bus.  Depending on the sensitivity of the app, you could be riding the elevator.

Of course, an additional feature of these apps is that it not only knows that you are travelling, it knows where you are.

CNBC reports that a Pew Research Center study found that 45% of respondents don’t want their location tracked.

Consumer Reports says that the good news is that Auto Insurance companies must tell you how your data is being used.  This can help you make an informed decision about what company you want to go with.  It also can help you decide the discount isn’t worth sacrificing your privacy.

As your local, independent insurance agent for the last 50 years, the Keating Agency looks out for your best interests.  We work with more than two dozen companies so that we can help you find the right insurance at the right price for you.  This may be usage-based insurance, or not.

Contact us today to learn what services we can offer to help you make the decisions that are best for you and your situation.

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