The safe driving discount is a discount that you can get on your car insurance premium if you use a telematic app on your phone to track your driving. The app records how you drive, such as how often you hard brake, drive after midnight or speed, and sends this data to your insurance company. This data can be used to qualify you for additional discounts for safe driving. They can be up to 30%. This is used by most companies and is helping to decrease the large rate increases. Those that drive well will be rewarded.