DriveSense™: Saving on Car Insurance Gets Personal

Learn about the latest smarter way to save on car insurance with Esurance: DriveSense, our usage-based insurance program.

Drive Sense Discount

You’re a safe driver. Other drivers, pedestrians, and your car insurance company appreciate it. In fact, your car insurance company might even show their appreciation by offering you a discount for your safe driving.

But wouldn’t it be cool if your discount was based on exactly how well you drive? And if you could save even more based on how little you drive?

We thought so. That’s why we introduced the DriveSense™ discount.

Pay as you drive with the DriveSense™ discount

In our never-ending quest to find drivers new and smarter ways to save on their car insurance, we couldn’t help but wonder, “What if there was a device that could tell exactly how well a driver was doing behind the wheel? Even better, what if it rewarded them with a discount tailor-made to their awesome driving skills?”

“Sounds like a good idea,” we thought. And after a period of testing and tinkering, we released our usage-based insurance device, DriveSense to drivers in the great state of Texas.

Why just Texas, you ask? Well, a fully detailed answer would probably bore you (and me) to tears, but the gist is that we wanted to see how well the device and discount worked before rolling it out to the rest of the country.

So far, things are looking pretty darn good in Texas, which means DriveSense could be coming to your state soon.

How the DriveSense discount works

When you sign up for the DriveSense program, we’ll send you a small telematic device that you plug into your car’s onboard diagnostics (OBD) port. Standard in most cars since 1996, the OBD port simply allows access to your car’s internal computer (which can tell how fast you drive, how often you brake, etc.). The DriveSense telematic device is able to send, receive, and store that info via telecommunication. Don’t worry though, we make sure your info stays private and secure.

That’s really it. You’ll immediately score a 5 percent discount just for installing the device, and depending on how safely and how much you drive, you could save as much as 30 percent!

Huge, right?

What you can do with the DriveSense device

The DriveSense program isn’t just about giving safe drivers some sweet, sweet savings. When you sign up for the program, you’ll get access to a personalized website where you can review and analyze your driving (and compare it with others’ as well). Once you’ve logged in, you’ll see how many times you were a little lead-footed, when you had to brake a little harshly, and how many miles you drove recently (among other things).

You can even set up notifications that’ll let you know as soon as you do … well, just about anything. Want to know if you topped 70 yesterday? You got it. Prefer to be notified when you’ve driven over 100 miles in a day? No problem. How about if your son is out driving past curfew while you’re off on a business trip? Done.

Which leads us to another use for DriveSense: teaching.

Help young drivers be better drivers

With access to all that data, you can more effectively monitor your young driver’s performance and proactively troubleshoot any behaviors that aren’t so great. You can even set up driver-specific notifications to let you know about your son or daughter’s driving. So, if you notice young Danny tends to hit the brakes a little hard, you can combine custom notifications with a little one-on-one driver training to correct the problem.

You can’t be with your young driver every time they get behind the wheel, but with DriveSense, you can still get a good idea of how well they’re doing out there on the road.

Why Esurance likes DriveSense … and you might too

As noted in a recent Bloomberg Businessweek article, “insurance carriers have traditionally evaluated risk based on criteria such as age, gender, marital status, and vehicle type.” And statistics show that those criteria work pretty well. But with a pay-as-you-drive system like DriveSense, we can move beyond such generalized ratings to provide you with more personalized savings.

Let us know what you think!

Are you interested in personalizing your savings with programs like DriveSense? Let us know!

Related link

See which car insurance discounts are available in your state.

3 Responses to “DriveSense™: Saving on Car Insurance Gets Personal”

  1. Drew Mack
    October 15, 2012 #

    There are some companies that already use devices like these to monitor the performance of both their corporate fleet and the driving of their own employees while on company business. Each person who uses a company car has one of these devices and has to insert it in a socket prior to being able to start the car. The company sets up metrics based on the employee’s driving; the metrics can be very tight. Some companies have gone to these monitors literally out of frustration that nothing else seemed to improve their motor-vehicle-safety situation. At my former employer, they worked and we saw a significant improvement in the metrics.

  2. Jeramie Gertz
    June 23, 2013 #

    I'm thinking I might find an insurance provider that offers more traditional discounts. For example, the discount for completion of a defensive driving course which y'all offered me some time back. Now that I've taken the course, "well we no longer offer that discount in Texas, but we have this wonderfully invasive alternative you might be interested in."

  3. James Booker
    September 18, 2013 #

    I think that in this age of the smartphone it's a great idea to have a device in your car that can help track how you drive and save you money at the same time!

    After the EU Gender Directive came into play, more and more people are taking to having a Telematics box fitted so that they can get cheaper insurance.

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