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A Georgia Driver’s Guide to Usage-Based Insurance Tracking

Usage-based insurance (UBI) is a modern approach to auto insurance that tailors premiums to your driving behavior. By leveraging technology to monitor and assess how you drive, UBI programs can offer a more personalized and often cost-effective alternative to traditional insurance. Understanding UBI insurance tracking can help you decide if this innovative option is right for you. 

UBI Explained

Usage-based insurance is auto insurance that determines premiums based on your driving habits rather than solely on traditional factors such as age, gender and location. UBI typically involves using telematics devices or mobile apps to collect data on various aspects of your driving.

Insurance companies use telematics devices, which can be plugged into your car’s OBD-II port, or mobile apps that track driving behavior through GPS and sensors. The collected data is analyzed to determine your driving risk profile. Safer driving habits typically lower premiums, while riskier behaviors may result in higher costs.

Common metrics tracked typically include the following: 

• Mileage—The total distance you drive can impact your statistical likelihood of being involved in an accident.
• Speed—Monitoring your speed helps assess whether you consistently drive within speed limits.
• Braking—Harsh or frequent braking can indicate aggressive driving habits and an increased risk of filing an accident-related claim.
• Acceleration—Rapid acceleration can suggest risky driving behavior.
• Time of day—Driving during high-risk times, such as late at night or during rush hours, can affect your driving profile. 

Benefits of UBI for Georgia Drivers

Depending on your situation, you may experience the following benefits if you choose to participate in UBI: 

• Potential savings—Safe drivers may save money on their premiums by demonstrating good driving habits.
• Personalized rates—UBI provides a more accurate reflection of your driving behavior, potentially leading to fairer rates.
• Incentives for safer driving—Knowing that your driving is being monitored can encourage safer driving practices, reducing the likelihood of accidents.

Contact Us

Usage-based insurance tracking offers Georgia drivers a unique opportunity to lower their auto insurance premiums by demonstrating safe driving behavior. Contact Peachstate Insurance, which has offices in several Georgia communities, to learn more about UBI and get an auto insurance quote. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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