How does Auto-Owners TrueRide work? This question is about Auto-Owners Insurance

Auto-Owners TrueRide works by tracking your driving habits through a a smartphone app and rewarding safe driving with lower rates. Auto-Owners TrueRide monitors things like miles driven and the time of day that you typically drive, and Auto-Owners will not raise your rates for poor driving habits. Key Things to Know About Auto-Owners TrueRide Auto-Owners customers who drive safely can save while using TrueRide. Auto-Owners TrueRide monitors your mileage, the time of day you typically drive, phone usage, and the types of roads you typically drive on (like highways and busy streets). In addition to speeding and hard braking, things like driving late at night or being in heavy traffic often may reduce the liklihood of a discount. Customer reviews for the Auto-Owners TrueRide app average 2.8/5. TrueRide is only available in Ohio. To learn more, check out WalletHub’s full review of Auto-Owners.

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How does Auto-Owners TrueRide work?

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This question is about Auto-Owners Insurance

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McKayla Girardin, Car Insurance Writer

@mckayla_girardin • 05/13/22 This answer was first published on 05/13/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Auto-Owners TrueRide works by tracking your driving habits through a a smartphone app and rewarding safe driving with lower rates. Auto-Owners TrueRide monitors things like miles driven and the time of day that you typically drive, and Auto-Owners will not raise your rates for poor driving habits.

Key Things to Know About Auto-Owners TrueRide

Auto-Owners customers who drive safely can save while using TrueRide.
Auto-Owners TrueRide monitors your mileage, the time of day you typically drive, phone usage, and the types of roads you typically drive on (like highways and busy streets).
In addition to speeding and hard braking, things like driving late at night or being in heavy traffic often may reduce the liklihood of a discount.
Customer reviews for the Auto-Owners TrueRide app average 2.8/5.
TrueRide is only available in Ohio.

To learn more, check out WalletHub’s full review of Auto-Owners.

Answer Question

Can TrueRide by Auto-Owners raise your rates?

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.

To learn more, check out WalletHub’s full review of Auto-Owners Insurance.

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Does Auto-Owners TrueRide track speed?

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

Mileage

Time of day you typically drive

Type of road (i.e. highway or local road)

Phone use

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.

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Does Auto-Owners TrueRide track location?

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.

Additionally, your location information is not accessed in real-time except to provide emergency services in the event of an accident. To understand how Auto Owners collects, stores, and uses your data, be sure to read the privacy policy in the TrueRide app or contact Auto Owners directly.... read full answer

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.

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