[vc_row][vc_column][vc_row_inner][vc_column_inner width=”1\/2″][vc_single_image image=”1331″ img_size=”full”][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_custom_heading text=”How Auto Insurance is Using Smartphones” font_container=”tag:h2|font_size:25|text_align:left” google_fonts=”font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:500%20bold%20regular%3A500%3Anormal”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner]
Recent data from Newzoo\u2019s Global Mobile Market Report has found that 77% of Americans use Smartphones to do a variety of activities from social media, web browsing, gaming apps such as Words With Friends, connecting fitness trackers, and even pay bills. \u00a0Food delivery and grocery drop off app usage has surged during the pandemic. There\u2019s no question that smartphones will continue to be the future which is the case for the auto insurance industry where several carriers are offering telematics applications for drivers.<\/p>\n
In health and fitness, smartphones have provided an incredible resource. In the early stages of the pandemic, my son and I began using fitness trackers as a way to increase our health to a new level and stay engaged. \u00a0In addition to virtual gym classes, we have been walking an average of four miles per day to supplement cardio workouts. \u00a0Since, the easy access from my smartphone allows me to frequently check my step count and calories burned throughout the day to see where I am at.\u00a0 The app also allows users to compete in challenges with friends to see who can rack up the most steps! The health tracking app keeps me engaged in my exercise routine and positively helps me achieve my fitness goals.<\/p>\n
In the insurance world, carriers are using telematics apps to gather valuable data.\u00a0 Telematics aims to improve policy ratings and loss predictions. Telematics is a method of collecting information about driving habits. \u00a0The modern day smartphone app replaces the \u2018plug in\u2019 devices used in vehicles years ago. The metrics measure information on days and times traveled, how hard a driver brakes, the rate of acceleration and speed, among other factors surrounding driving behaviors. \u00a0\u00a0The collected data will provide personalized feedback about an individual\u2019s driving habits which can also result in safe driver rewards or discounts on insurance premiums.<\/p>\n
Telematics data provides additional underwriting information to insurance companies to be used in addition to the initial screenings used at the time an insured applies for coverage. \u00a0Tracking the data will continue to assist insurance companies in calculating rates and predicting the number of claim losses. \u00a0Improving the accuracy and quality of information used by insurance carriers will create more stable rates and possible discounts for consumers.<\/p>\n
Telematics apps also allow families to promote safe driving with their new drivers. \u00a0Additional features of telematics include GPS and trip mapping capabilities to assist young drivers develop safe driving habits.\u00a0 As the apps provide a driver rating score, many families share in friendly competition with their app usage, where each driver strives for great scores!<\/p>\n
While, the response from customers who use telematics continues to remain positive, there are still some who are concerned about the privacy of telematics.\u00a0 To lessen those concerns, telematics promotes safe driving and can collectively make insurance premiums more affordable and consistent.\u00a0\u00a0 If most drivers on the road know their driving behaviors are being tracked by their insurance company, they will be more likely to slow down, follow at safe distances and stay off cell phones while driving.\u00a0 As a result, there will be fewer accidents, fewer speeding tickets and less distracted drivers on the road.\u00a0 Further resulting in fewer claims, lower loss-rations, less rate increases, better premiums and a better world for all!\u00a0 Telematics is the one tool that can reduce dangerous driving and make our roads safer.<\/p>\n
Our staff will soon be participating in a pilot telematics app from one of our insurance carriers to test the technology. \u00a0We have created a friendly competition amongst ourselves; the driver from our staff with the best performance at the end of the program will win a gift card!\u00a0 The goal of the pilot program is to learn as much as we can about the use of telematics to properly guide and educate our clients.\u00a0\u00a0 We\u2019ll announce the winner on social media and in the next newsletter so stay tuned!<\/p>\n
Telematics is the future; it will provide valuable data to be used by insurance companies to predict losses and stabilize rates ultimately benefiting consumers with discounted, consistent rate structures. \u00a0Very much like the fitness trackers that keep us moving, the data is used to help us improve overall and represents positive change for everyone!<\/p>\n
If you have any questions about telematics or to find out if your carrier offers an app give us a call! \u00a0We are here to help promote safer driving for all!<\/p>\n<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row][vc_column][vc_row_inner][vc_column_inner width=”1\/2″][vc_single_image image=”1331″ img_size=”full”][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_custom_heading text=”How Auto Insurance is Using Smartphones” font_container=”tag:h2|font_size:25|text_align:left” google_fonts=”font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:500%20bold%20regular%3A500%3Anormal”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":7,"featured_media":1331,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,3,6],"tags":[54,53],"yoast_head":"\n
Your Smart Phone and Auto Insurance - Montagno Insurance Agency<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your Smart Phone and Auto Insurance - Montagno Insurance Agency\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_row_inner][vc_column_inner width=”1\/2″][vc_single_image image=”1331″ img_size=”full”][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_custom_heading text=”How Auto Insurance is Using Smartphones” font_container=”tag:h2|font_size:25|text_align:left” google_fonts=”font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:500%20bold%20regular%3A500%3Anormal”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Montagno Insurance Agency\" \/>\n<meta property=\"article:published_time\" content=\"2020-06-27T19:40:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-06-28T01:21:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2020\/06\/How-Auto-Insurance-is-Using-Smartphones.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kim Fitzgerald\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kim Fitzgerald\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/\",\"url\":\"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/\",\"name\":\"Your Smart Phone and Auto Insurance - Montagno Insurance Agency\",\"isPartOf\":{\"@id\":\"https:\/\/insurancequotesct.com\/#website\"},\"datePublished\":\"2020-06-27T19:40:33+00:00\",\"dateModified\":\"2020-06-28T01:21:38+00:00\",\"author\":{\"@id\":\"https:\/\/insurancequotesct.com\/#\/schema\/person\/8867adeb88524bf8b7ea3b14b9cd6e0a\"},\"breadcrumb\":{\"@id\":\"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/insurancequotesct.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Your Smart Phone and Auto Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/insurancequotesct.com\/#website\",\"url\":\"https:\/\/insurancequotesct.com\/\",\"name\":\"Montagno Insurance Agency\",\"description\":\"Rated Connecticut's top insurance agencies\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/insurancequotesct.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/insurancequotesct.com\/#\/schema\/person\/8867adeb88524bf8b7ea3b14b9cd6e0a\",\"name\":\"Kim Fitzgerald\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/insurancequotesct.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2017\/12\/Kim-touchup-150x150.jpg\",\"contentUrl\":\"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2017\/12\/Kim-touchup-150x150.jpg\",\"caption\":\"Kim Fitzgerald\"},\"description\":\"Kim is our Vice President and heads up our personal lines department at Montagno Insurance; she has been with the company for over 25 years! Aside from being a two term regional vice president for the International Association of Insurance Professionals and holding several prestigious insurance designations, Kim is the Mom to an active grade schooler, works out every day, is involved community events and is an ardent New York Giants fan! Kim is Busy!!\",\"url\":\"https:\/\/insurancequotesct.com\/author\/fcadac51168f68b7\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Your Smart Phone and Auto Insurance - Montagno Insurance Agency","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Your Smart Phone and Auto Insurance - Montagno Insurance Agency","og_description":"[vc_row][vc_column][vc_row_inner][vc_column_inner width=”1\/2″][vc_single_image image=”1331″ img_size=”full”][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_custom_heading text=”How Auto Insurance is Using Smartphones” font_container=”tag:h2|font_size:25|text_align:left” google_fonts=”font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:500%20bold%20regular%3A500%3Anormal”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]","og_url":"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/","og_site_name":"Montagno Insurance Agency","article_published_time":"2020-06-27T19:40:33+00:00","article_modified_time":"2020-06-28T01:21:38+00:00","og_image":[{"width":1080,"height":1080,"url":"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2020\/06\/How-Auto-Insurance-is-Using-Smartphones.png","type":"image\/png"}],"author":"Kim Fitzgerald","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kim Fitzgerald","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/","url":"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/","name":"Your Smart Phone and Auto Insurance - Montagno Insurance Agency","isPartOf":{"@id":"https:\/\/insurancequotesct.com\/#website"},"datePublished":"2020-06-27T19:40:33+00:00","dateModified":"2020-06-28T01:21:38+00:00","author":{"@id":"https:\/\/insurancequotesct.com\/#\/schema\/person\/8867adeb88524bf8b7ea3b14b9cd6e0a"},"breadcrumb":{"@id":"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/insurancequotesct.com\/your-smart-phone-and-auto-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/insurancequotesct.com\/"},{"@type":"ListItem","position":2,"name":"Your Smart Phone and Auto Insurance"}]},{"@type":"WebSite","@id":"https:\/\/insurancequotesct.com\/#website","url":"https:\/\/insurancequotesct.com\/","name":"Montagno Insurance Agency","description":"Rated Connecticut's top insurance agencies","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/insurancequotesct.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/insurancequotesct.com\/#\/schema\/person\/8867adeb88524bf8b7ea3b14b9cd6e0a","name":"Kim Fitzgerald","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/insurancequotesct.com\/#\/schema\/person\/image\/","url":"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2017\/12\/Kim-touchup-150x150.jpg","contentUrl":"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2017\/12\/Kim-touchup-150x150.jpg","caption":"Kim Fitzgerald"},"description":"Kim is our Vice President and heads up our personal lines department at Montagno Insurance; she has been with the company for over 25 years! Aside from being a two term regional vice president for the International Association of Insurance Professionals and holding several prestigious insurance designations, Kim is the Mom to an active grade schooler, works out every day, is involved community events and is an ardent New York Giants fan! Kim is Busy!!","url":"https:\/\/insurancequotesct.com\/author\/fcadac51168f68b7\/"}]}},"_links":{"self":[{"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/posts\/1329"}],"collection":[{"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/comments?post=1329"}],"version-history":[{"count":0,"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/posts\/1329\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/media\/1331"}],"wp:attachment":[{"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/media?parent=1329"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/categories?post=1329"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancequotesct.com\/wp-json\/wp\/v2\/tags?post=1329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}