Car insurance can be tricky to understand and that is likely the reason most people stay loyal to a policy and don’t seek out a switch. Some policies can be so complicated to choose between that it would be helpful for Sherlock Holmes to make it plain. There is one product that offers simple understanding and straightforward coverage that is changing how people view and buy car insurance.
Telematics car insurance is a relatively new type of car insurance. While it has been around for a few years there are still many drivers that haven’t made themselves familiar with the coverage product. It is different in that it involves a GPS unit to collect driving data on the driver for risk assessment. Rather than using statistics or personal data to determine risk and premium costs, telematics uses the driver’s own driving data. This allows a driver to directly impact the cost of their car insurance by driving safely and lowering the risk of coverage assessment by the provider.
The installation of the GPS unit is simplified by the provider coordinating the professional installment at the driver’s home or workplace. Once a policy is purchased, coverage can begin immediately or at a desired date and the provider will offer a grace period in which the GPS unit must be installed. They will work with the driver to determine an appointment for the installation. Once installed the unit begins to gather the data required by the provider. In some instances it is the number of miles driven and for other providers it could be detailed such as if the driver speeds, brakes hard, or takes curves sharply while behind the wheel.
Telematics car insurance can be found online. Comparisons of providers and policies can also be done online. With a click of the computer, a policy can be bought making a switch easy. The good news about telematics car insurance is that it could offer savings in comparison to standard car insurance. It could actually be the straightforward, easy to understand, easy to choose, easy to buy car insurance that offers both quality coverage and affordability. Since experts suggest drivers shop around when renewal time comes, it makes sense to start with telematics car insurance.