Telematics Discounts
How the discount is earned
Every carrier’s program is a little different, but they reward the same good habits: driving fewer miles, braking smoothly, staying off the phone behind the wheel, and skipping the riskiest late-night hours. Instead of pricing you on averages, your rate gets to reflect the careful driver you actually are.
Who saves the most
Careful drivers and folks who don’t drive many miles tend to see the biggest benefit. Many programs hand you a discount for signing up, then add more based on your driving over the program period.
Good questions to ask first
Is it an app or a plug-in device, and how long does the program run? Is the discount guaranteed, or based on your results? How is your driving data used and stored? Is the program available here in Washington or Oregon? And one honest note: while most programs only lower your rate or leave it unchanged, a few can raise it for consistently risky driving, so it pays to know how yours works.
We’re happy to walk through any of these with you. Give us a call at 360-573-3080.
How Altech helps
As an independent agency, we can tell you which of our carriers offer a telematics discount, walk you through the trade-offs, and help you decide whether it fits your driving. No pressure, no obligation.
Discount programs from our carriers
Several of the carriers we work with run their own programs, and each one works a little differently. Discounts and availability vary by state and change over time, so ask us what fits your situation.
Progressive Snapshot
- How it works
- A mobile app or a plug-in device for your car.
- How long it runs
- Ongoing.
- Good to know
- Gives an enrollment discount up front, with the most savings for consistently safe drivers. Because riskier driving can affect your renewal rate, it fits careful, lower-mileage drivers best.
Travelers IntelliDrive 365
- How it works
- A smartphone app.
- How long it runs
- Ongoing, with your score refreshed at each renewal.
- Good to know
- Looks at braking, speed, time of day, and handheld phone use. There's a short window to withdraw if you change your mind.
PEMCODOMETER My Driving Discount
- How it works
- The PEMCO app, which measures your driving with PEMCODOMETER.
- How long it runs
- A short 91-day window, then you're done.
- Good to know
- You register within the first 15 days and log a few trips. If you want to try for a better score later, you can restart once every 12 months.
Liberty Mutual RightTrack (formerly Safeco)
- How it works
- App-based telematics.
- How long it runs
- A variable rating factor based on your driving.
- Good to know
- Part of the Safety Rewards suite. Because it's a variable factor rather than a fixed discount, your rate reflects the driving data over time.
Nationwide SmartRide and SmartMiles
- How it works
- SmartRide is a smartphone app or plug-in device. SmartMiles is a pay-per-mile option with a mileage-tracking device.
- How long it runs
- SmartRide: your discount is set at renewal based on your driving. SmartMiles: ongoing, billed monthly by miles driven.
- Good to know
- SmartRide gives a participation discount to start, with the final discount applied at renewal and adjusted based on your driving. In Washington the renewal discount can go down as well as up. SmartMiles fits people who drive well under average and want their bill to reflect it.
Let’s Get You Covered
Let us know what you’re looking to protect and a local team member will follow up with real options.
Call us at 360-573-3080.
Prefer one question at a time? Try the step-by-step quote.