What is Telematics and How Can It Save You Money on Car Insurance?

What is Telematics?

Telematics is a form of technology that monitors your driving habits using a small device installed in your vehicle or through a mobile app. It records data like speed, braking, mileage, time of day you drive, and more. Insurance companies use this data to assess your risk level more accurately — which means you could earn discounts for safe driving.

How Does Telematics Work?

Once you enroll in a telematics program with your insurance company, you’ll either:

• Plug a device into your car’s OBD-II port (usually under the dashboard), or

• Download a smartphone app that tracks driving behavior.

The system then gathers information such as:

• Hard braking or rapid acceleration

• Speeding

• Time of day (late-night driving can be riskier)

• Phone usage while driving

• Mileage driven

Over time, this data helps insurers offer more personalized rates based on how you actually drive — rather than just using age, ZIP code, or vehicle type.

Benefits of Telematics Insurance

• Lower Premiums: Safe drivers can receive immediate discounts, with additional savings after a monitoring period.

• Feedback on Driving Habits: Many apps give you real-time tips to become a safer driver.

• Teen Driver Monitoring: Great for parents who want to encourage responsible driving in young drivers.

• Eco-Friendly Bonus: Less driving can equal less pollution — and more savings.

Is Telematics Right for You?

Telematics can be an excellent fit if:

• You’re a low-mileage driver

• You drive mostly during the day

• You’re confident in your safe driving habits

• You’re looking for ways to cut insurance costs

It might not be ideal if you have a long daily commute in heavy traffic or often drive late at night.

Insurance Companies Offering Telematics in Georgia

Many major carriers we work with here at Hembree Insurance Agency in Kennesaw offer telematics options, including:

• Nationwide’s SmartRide®

• Progressive’s Snapshot®

• Safeco’s RightTrack®

• Travelers’ IntelliDrive®

We can walk you through the options and help you decide which program (if any) would benefit you most.

Final Thoughts

Telematics is changing the way auto insurance works — giving drivers more control over their premiums. If you’re a safe driver, why not let that work in your favor?

Ready to see if telematics can save you money?
Contact our team at Hembree Insurance Agency today to get started or request a quote. We’re happy to help Kennesaw-area drivers take advantage of every possible discount!