Listed below are the key driving variables we use to calculate your KnowYourDrive discount. Research has shown that these driving behaviors may increase the chance of having an accident. By adjusting your driving habits based on the feedback you receive from the app, you may improve your safe driving behavior and increase your discount. KnowYourDrive gives you an advantage by helping you learn safer driving habits while empowering you to save on your car insurance.
Key driving variables:
Hours driven: Measures how much the vehicle is driven.
Hard braking: Measures those times when the vehicle stops or slows down very abruptly.
Evening driving: Measures the total driving time that occurs between the hours of 6 PM and 12 AM
Late night driving: Measures the total driving time that occurs between the hours of 12 AM and 4 AM
High speed: Measures when a person is driving 10 mph or more above the posted speed limit.
Distraction: Measures when a person is actively using their phone (using GPS, minimizing screens, texting, etc.) or making a handheld call.
Average speed: Measures the average speed over the course of trips taken.
Short trips (less than five minutes): Measures the number of short trips taken.