How To Tell If Usage-Based Car Insurance Is Right for You

With Potential Surcharges, It's Not for Everyone

 Going Over 80 Can Hurt Your Insurance Savings

Driving at 80 mph or more can count against rate-reduction rewards in usage-based insurance plans.

Plug-in devices that monitor aspects of an auto insurance customer's driving are nothing new. And it's nearly impossible to miss the commercials touting the savings that good drivers might enjoy if they try out their carrier's usage-based programs.

But what is still only whispered about are the potential downsides: surcharges for bad driving. Most auto insurers go out of their way to insist that their driver-monitoring programs exist only to reward safe drivers and that the worst outcome for trying one is that drivers don't get the advertised savings. And even then, insurers say, drivers will gain valuable feedback and be able to make positive changes in their driving.

Distracted driving is any activity that could divert a person's attention away from the primary task of driving. All distractions endanger driver, passenger, and bystander safety. These types of distractions include:

But, because text messaging requires visual, manual, and cognitive attention from the driver, it is by far the most alarming distraction.

The best way to end distracted driving is to educate all Americans about the danger it poses. On this page, you'll find facts and statistics that are powerfully persuasive. If you don't already think distracted driving is a safety problem, please take a moment to learn more. And, as with everything on Distraction.gov, please share these facts with others. Together, we can help save lives.

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