As more drivers look for ways to save on their auto insurance, usage-based car insurance programs have gained popularity, especially in states like Ohio. These programs typically monitor driving behavior and adjust premiums based on how safely and often you drive. Here’s a look at some of the best usage-based car insurance programs available in Ohio.
1. State Farm Drive Safe & Save
State Farm offers its Drive Safe & Save program, which uses telematics to track driving habits. Drivers can receive discounts for safe driving behaviors, such as hard braking or rapid acceleration. Through the program, you can also benefit from additional savings by sharing your vehicle’s information through a connected device or mobile app.
2. Progressive Snapshot
Progressive's Snapshot program is one of the most well-known usage-based insurance programs across the United States, including Ohio. This program monitors driving habits over a designated period, usually about 90 days, and can provide discounts of up to 30% based on your driving performance. The Snapshot device or app tracks behaviors like speed, braking, and time of day you drive.
3. Allstate Drivewise
Allstate’s Drivewise program rewards safe driving habits with cash back and discounts. By using the Drivewise app or a telematics device, Allstate tracks your driving behaviors, such as acceleration and hard braking. Regular safe driving can lead to significant savings on premiums, and the program also encourages safe driving practices through feedback and tips.
4. Liberty Mutual RightTrack
Liberty Mutual's RightTrack program offers policyholders the opportunity to earn discounts for safe driving. The program's telematics device or app will track your driving habits for a period, usually around 90 days, and then determine your discount based on how safely you drive. Drivers can save up to 30% on their premiums with this program.
5. Geico DriveEasy
Geico's DriveEasy program allows drivers to get personalized discounts by monitoring their driving behavior. The mobile app tracks aspects like speed, braking habits, and time of day driving. After an assessment period, drivers can earn discounts based on their safe driving record, making it a fantastic option for those who tend to drive responsibly.
6. Nationwide SmartRide
Nationwide’s SmartRide program is another innovative usage-based option available in Ohio. Drivers who enroll can potentially receive up to a 40% discount by achieving safe driving scores over a monitoring period. The program analyzes driving behavior and provides feedback, encouraging safer habits on the road.
Conclusion
Usage-based car insurance programs offer an excellent way for Ohio drivers to save on their premiums while promoting safer driving habits. With options like State Farm Drive Safe & Save, Progressive Snapshot, and Allstate Drivewise, there is a program to fit various driving styles and preferences. Before choosing a program, it is wise to compare offers, features, and potential discounts to find the best fit for your needs.
