Insurance apps that track your movement reduce risky driving: Study
DENVER (KDVR) — Smartphone apps monitor a driver's behavior on the road, providing valuable information to both the driver and their insurance carrier.
A study conducted by the AAA Foundation for Traffic Safety shows a significant decrease in risky behavior behind the wheel when a driver knows they are being monitored and being notified of how their driving is putting others at risk. Read the full report here.
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Driver habits also affect how much is paid for insurance coverage.
'It was always a gamble whether having this technology on your phone with a promise that it might save a few bucks, actually saves the insurers money or saves you money,' said AAA spokesperson Skyler McKinley.
The study showed up to a 13% reduction in speeding, up to a 21% reduction in hard braking and up to a 25% reduction in rapid acceleration.
'That rapid acceleration, especially in an era of electrified vehicles, (it's) most deadly to pedestrians and bicyclists and others on our roadway,' said McKinley.
FOX31 talked to drivers who have different opinions on using tracking apps, which are not required but offered on an opt-in basis. While some say the apps present an opportunity to save money, others are more skeptical.
'I don't think it takes into account how well you drive; basically, it's like looking at this base metric,' said one driver.
Consumer experts say it is best to be realistic about whether a monitoring app will be beneficial to you.
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'If you're historically a driver who's going to break the rules and you think it'll charge you more, probably won't charge more than the maximum until something else happens, which is a crash and then you're definitely paying more,' said McKinley. AAA reports that more than 40,000 people die in crashes caused by risky driving each year.Anyone using an insurance app should ask their carrier about privacy policies regarding how results obtained by the app are used and stored.
Copyright 2025 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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