Every driver on the road has a different driving history. Some drivers have spotless driving histories with no penalties and some drivers have histories with multiple penalties. Unfortunately drivers are unable to go back in time just like everyone else. But if they could, they might make different choices resulting in better overall histories. Until a working time machine is invented, drivers must live with the split second decisions which are made and will affect car insurance rates in the future.
A new car insurance which is available and could be the answer to many poor driving histories is called telematics car insurance. This new car insurance product is still becoming known to drivers of all types. Drivers who have many years’ experience to young drivers just getting started are learning the benefits of telematics are above and beyond anything else on the market today.
Drivers with poor histories can possibly change their fate related to car insurance cost by trying telematics car insurance. It calculates cost based on how safely a car is handled now, not in the past. The past cannot be changed, but telematics is here to help drivers wanting to make a change in their driving habits.
A small device is mounted to the inside of the insured car and monitors driving habits like speeding, braking and cornering. These habits are the base habits for good safe driving and are heavily weighted when considering how safely a driver handles a car in general. An insurer evaluates these habits by looking at the data collected by the small mounted device. Drivers can earn rewards presented to them by the insurer in the form of discounts applied to future car insurance costs.