Yes, Auto-Owners TrueRide tracks location for things like underwriting purposes, helping to speed up claims processes, and to give you accurate details of your trips. Your location information does not directly determine your premium or discounts, though.
Why Auto-Owners TrueRide Tracks Location
TrueRide tracks your location using a smartphone app to measure total mileage, time of day you typically drive, and types of roads you typically drive on more accurately.
Location information can be used to determine how far you travel on each trip, as well as your average speed.
Stored location data may be used during the claims process to better analyze the details of the incident, such as speed and location layout.
No, TrueRide by Auto-Owners will not raise your rates for poor driving habits. TrueRide by Auto-Owners users will not see any rate increases for things like miles driven or the time of day that you drive, good drivers can save a lot on their premiums every year when using TrueRide, too.… read full answer
Key Things to Know About TrueRide by Auto-Owners
TrueRide by Auto-Owners tracks things like miles driven, the time of day that you drive, phone use and road type
Drivers can use the TrueRide app to track their habits
Currently only available in Ohio
Customer reviews of the app average 2.8 out of 5
Minimum coverage from Auto-Owners costs an average of $28 per month without TrueRide
Remember that poor driving while using TrueRide will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use TrueRide, Auto-Owners itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. Auto-Owners learns of such things from your driving record and CLUE report, rather than through TrueRide.
No, Auto-Owners TrueRide does not track speed. Auto-Owners TrueRide does not raise car insurance premiums for poor driving, either, so drivers who have a habit of speeding can try Auto-Owners TrueRide virtually risk free. However, safe drivers are generally able to get higher discounts from TrueRide than those who have poor driving habits, like hard braking, which can be related to speeding. … read full answer
What Auto-Owners TrueRide Tracks
Time of day you typically drive
Type of road (i.e. highway or local road)
Even though Auto-Owners TrueRide does not raise rates, Auto-Owners itself can still increase premiums for things like speeding tickets, at-fault accidents and moving violations since they are usually reported on your driving record and could classify you as high-risk. Practicing safe driving is the best way to keep your premiums low.
Yes, Auto-Owners uses telematics through TrueRide, a program that tracks a customer’s driving habits using the mobile app. Customers can sign-up for TrueRide and receive a discount if they consistently practice safe driving.
In order to use TrueRide, drivers need to enroll in the program and install the mobile app, which will automatically log a drip when it detects driving activity. After you start logging trips, the discount will be applied when you renew your policy. If you practice bad driving habits while using TrueRide, Auto-Owners will not raise your base premium. But you probably won't get much of a discount, if any. Currently, TrueRide is only available to drivers in Ohio.
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