Yes, The Hartford uses telematics through TrueLane, a program that tracks a customer’s driving habits using the mobile app or plug-in device. Customers can sign-up for TrueLane and receive a discount of up to 25% if they consistently practice safe driving.
What The Hartford’s Telematics Program Tracks
In order to use TrueLane, drivers need to plug the tracking device into their vehicle's OBD port or download the TrueLane mobile app, which will automatically log trips when it detects driving activity. After six months of tracking, the discount will be applied when you renew your policy. If you practice bad driving habits while using TrueLane, The Hartford will not raise your base premium. But you probably won't get much of a discount, if any. TrueLane is currently available in 42 states.
Telematics insurance is a type of car insurance that bases your insurance rate on how far and how safely you drive. Insurance companies use telematics to track your driving distances and behavior, and then use that data to assess how much risk the way you drive might pose. This risk assessment is then used to calculate your insurance premium.… read full answer
Your insurance company will provide you a “black box” device that attaches to your car, or an app that you can download to your phone. Both the device and the app then track your driving behavior – including speed, breaking and acceleration, among other factors. The black box device has a SIM card that records your driving information and sends that data back to the insurance company. The phone app uses your car’s GPS capabilities to record data on your driving behavior and sends it back to your insurer.
The company then uses this data to analyze how safe your driving behavior is and calculates your insurance premium accordingly. The safer and less you drive, the more you save.
Pay-as-you-go car insurance calculates a policyholder’s premium based on how many miles they drive each month. The policyholder’s mileage is tracked through a mobile app or device plugged into the vehicle, and customers who drive fewer miles pay a lower rate. Companies that offer pay-as-you-go car insurance, which can also be referred to as pay-per-mile or … read full answerusage-based coverage, usually charge a monthly base rate and then add a fee for each mile driven.
Other major insurers offer usage-based programs that give drivers a discounted rate based on various driving habits, including miles driven. If your annual mileage is lower than the average driver, you may also qualify for a low-mileage discount.
Who Should Consider Pay-as-You-Go Car Insurance
Pay-as-you-go car insurance is often a good investment for people who don’t drive frequently, like students and seasonal workers. To learn more, check out WalletHub’s guide to usage-based insurance.
No, The Hartford does not offer a specific low mileage discount. The Hartford premiums do take mileage into account, however, as rates are an average of 21% lower for customers who drive 7,500 miles annually than for customers who drive 15,000 miles annually, according to WalletHub data.
Low mileage drivers usually save on their The Hartford premium because less time on the road means a smaller chance of filing a claim. Besides offering lower premiums for low mileage drivers, The Hartford offers safety feature, defensive driver and paid-in-full discounts, among others.… read full answer
It’s also worth noting that The Hartford has a usage-based insurance program called TrueLane, which can help low mileage drivers save money. TrueLane tracks mileage and other driving habits, saving policyholders up to 25%.
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