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  • Writer's pictureAlinsco Agency

The Benefits of Promoting Telematics Usage for Insureds




As an insurance agent, you play a crucial role in guiding your clients toward the best possible policies and savings. One powerful tool that can help both you and your clients is the use of telematics. With Alinsco's latest updates to our telematics program, there are now even more reasons to encourage your insureds to take advantage of this technology. Here’s a breakdown of how telematics can benefit your clients and why promoting its usage is a win-win for everyone involved.

Why Telematics?

Telematics involves using technology to monitor driving behavior. By downloading the Alinsco App and using our telematics programs, insureds can gain significant discounts based on their driving habits. This real-time monitoring helps in creating a fairer, more personalized insurance rate, rewarding safe drivers with lower premiums.

The Latest Updates and Benefits

Applicable Plans: Our updated telematics program now applies to Alinsco Select, Alinsco Enhanced, and Alinsco Bravo. However, only Alinsco Select is available for new policies, for Enhanced anf Bravo applies only to ongoing policies. This expansion means that more clients than ever can benefit from telematics.

Initial Discount: Unlike before, there is no longer a discount simply for getting a policy. However, once a driver downloads our app, enables trip tracking, and logs their first trip, they can receive a 5% discount. This discount is flexible and can be applied at any point during their policy, not just at the beginning.

Ongoing Discounts:

  • After 30 Days: Once insureds have tracked their trips for 30 days, they may qualify for additional discounts immediately. Excellent driving scores can earn up to a 25% discount, while drivers with very low mileage can earn an additional 20% discount. Combined, these discounts can lower a driver’s rate by up to 40%.

  • At Renewal: Discounts continue to apply at renewal. Driver scores can secure discounts up to 25%, and low mileage can earn another 25%. Combined, these discounts can reduce a driver’s rate by over 40%.

Why Promote Telematics?

Enhanced Customer Satisfaction: By promoting the use of telematics, you help your clients achieve significant savings on their auto insurance. This can lead to higher customer satisfaction and retention.

Competitive Edge: Telematics allows you to offer cutting-edge technology and personalized rates that many direct carriers and InsurTech companies can’t match. This differentiates you from competitors and positions you as a forward-thinking agent.

Improved Driving Behavior: Encouraging telematics usage not only helps clients save money but also promotes safer driving habits. This can lead to fewer claims and a healthier driving environment overall.

Flexibility and Convenience: The Alinsco App is user-friendly and provides insureds with real-time feedback on their driving. This transparency builds trust and empowers clients to take control of their insurance rates.

How to Encourage Telematics Usage

  1. Educate Your Clients: Explain the benefits of telematics and how it works. Highlight the potential savings and the added value of safer driving habits.

  2. Demonstrate the App: Show clients how easy it is to download the Alinsco App and start tracking their trips. Provide step-by-step instructions if needed.

  3. Highlight Flexibility: Emphasize that they can start using the app and earn discounts at any point during their policy.

  4. Follow Up: Check in with clients who have started using telematics to ensure they understand how to maximize their discounts.

Conclusion

Telematics is a powerful tool that benefits both agents and insureds. By promoting its usage, you can help your clients save money, drive safer, and enjoy a more personalized insurance experience. With Alinsco’s updated telematics program, there are more opportunities than ever to leverage this technology for mutual success. The effect of telematics on your premiums can differ. Please consult your agent for precise information

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