How Auto Insurers are Verifying Your Good Behavior Behind the Wheel

The days of Big Brother may be here, but would you resist his presence if doing so could give you lower quotes on auto insurance? That's the question that many are asking now as a growing number of car insurance companies are moving to install devices into their customers'; vehicles that measure driving habits and deliver discounts based on positive behavior behind the wheel.

The devices, which are entirely voluntary, all gather the same types of data and make it possible for insurers to offer customers "pay as you go" coverage. By measuring the average miles driven per day, an insurer can verify limited usage, which typically brings significant discounts. Clocking the times of day during which you most frequently driven can also deliver added discounts, as car insurance companies consider certain driving times safer than others. Sudden acceleration and quick braking are also measured to gather data on the safety habits of the insured driver.

So how will this impact the average person's ability to get accurate quotes on auto insurance? According to insurers, having the ability to verify the good habits of their customers will make it far easier to do so. Drivers who want to ensure they're adequately rewarded for their good behavior are urged to look for this added service when they shop around and compare insurance quotes.