Nowadays, it is virtually impossible to purchase an auto insurance policy without at least being offered a discount for downloading and using the company's version of a safe driving application. If you are unfamiliar with how these mobile apps work, here are the basics. You begin by downloading the app to your mobile device. The app then monitors certain driving behaviors. From there, the insurance company uses this data to help determine how safe of a driver you are and assigns you a policy discount based upon your safe driving score. The process really is quite simple. However, if you are really hoping to score the maximum discount possible, using the tips below can help give you the edge you need to make this possible.
Be Mindful Of When You Drive
People often assume that the insurance company is simply interested in how they drive. However, the truth is that the time when you drive can have just as much of an impact on your ability to acquire cheap auto insurance as your actual driving skills. This is because different time periods throughout the day are more dangerous for you to be on the road. For instance, if you routinely drive during rush hour or late at night, you will be at a higher risk for getting into an accident. This will result in you getting a much smaller discount on your insurance or could even end up with you paying more for your insurance coverage than you were initially quoted. Consequently, you will want to be mindful of the times when you drive as well as your driving habits because both are being monitored.
Be Mindful Of How Quickly You Start And Stop
Safe driving is about more than just stopping in time for a red light or staying under the speed limit. How quickly you start and stop your vehicle can also be an indication of how safe of a driver you truly are. This is because people who accelerate or brake too quickly will have less time to react if another driver was to cut them off in traffic. That is why safe driver apps monitor you for abrupt stops and quick acceleration. In order to maximize your discount, you will want to make sure that you always accelerate and brake in a smooth, gradual manner whenever possible.
Be Mindful Of How Far You Drive
In addition to what time of day you are on the road, your insurance company will also be looking to determine just how much time you spend on the road on average. This helps them determine how likely it is that you will file a claim against your policy. Spending a minimal amount of time on the road during your monitoring period is a great way to score some super cheap auto insurance.
To learn more about how to obtain cheap auto insurance, contact an insurer.