Link habits to savings
These programs work best when paired with the checklist inside our Lower Your Premiums pillar page.
Safe-driving programs reward behavior, not just demographics. Whether you enroll in an app-based telematics plan or complete a certified defensive-driving course, insurers convert your data into premium credits. Here is how to decide which program fits your routine.
Telematics programs to know
- DriveWell / IntelliDrive: Phone-only tracking with feedback on hard braking and late-night trips.
- Snapshot / Drivewise: Mix of smartphone and plug-in devices with a 10% enrollment discount plus behavior pricing.
- SmartRide / RightTrack: Bluetooth tag plus app combo that can reach 40% off after 90 days of monitoring.
Classroom and virtual courses
State-approved defensive driving or accident-prevention courses typically shave 5-15% off for three years. Many states now allow virtual classrooms, but you must choose a provider on your insurer's approved list.
- Look for "mature driver" courses if you are 55+ for extra credits.
- Upload completion certificates immediately and set a reminder before they expire.
- Combine courses with telematics to stack discounts during renewal.
Safe-driving programs require transparency because they capture data on speeding, cornering, and nighttime driving. Review privacy policies and confirm you can opt out without a surcharge if the program is not a good fit.