1Find an insurance agent or company that offers telematic auto insurance.
Because it's a new product, not all insurance companies offer telematic insurance. Online search engines like findmybestagent.com, 1000agents.com, insuranceagents.com or autoinsurance.net/agents/ can help you find an agent.
2Sign up for a trial period of telematic insurance.
During this trial period, the insurance company will monitor your driving habits to determine your auto insurance rates.
3Install the telematic device.
Depending on the auto insurance company you choose, you may have to go to a professional to install it, or you may be able to install it yourself.
If you get a device you can install yourself, it will go in the onboard diagnostic slot in your car. This slot is usually found below the steering wheel. The device slides into the slot like a cord into an electrical outlet.
4Drive carefully to keep the rates low.
5Drive only when necessary.
One of the methods used by the insurance company to determine rates based on telematics is the number of miles driven, and another is the time of day as it is more dangerous to drive at night when visibility is poor.
6Drive at or below the speed limit.
The insurance company will charge higher rates for drivers who drive above the speed limit.
7Brake slowly and carefully.
The insurance company will charge higher rates to those who brake at the last moment possible.
8Compare the rates for telematic insurance to your existing auto insurance.
If you can save money using telematic auto insurance, then sign up; otherwise, continue to use your existing auto insurance.
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