Bion Agency

Several auto insurance companies have implemented programs that use technology to monitor driving habits, offering potential savings based on safe driving behaviors.

Allstate: Their program is called Drivewise. This program tracks driving behavior via a device or app, offering discounts of up to 40% for safe driving habits.

Safeco: Known for using tracking devices(RightTrack), though specifics on their program name weren't directly mentioned in recent sources, they're noted for offering significant savings for safe drivers.

Farmers: Offers a program but specifics Farmer's Signal highlighted in recent news discussions, though they're part of the companies using tracking for insurance adjustments.

American Family Insurance: They have KnowYourDrive, which monitors driving through an app, potentially saving up to 20% on rates after a certain period.

State Farm: Their program is named Drive Safe & Save, which can be used through an app or by installing a device in your vehicle, aiming for up to a 30% discount.

USAA: Known for SafePilot, this program requires military affiliation and focuses on safe driving behaviors, offering up to a 30% discount.

Liberty Mutual: Offers RightTrack where users can earn discounts by plugging in a device or using an app to monitor driving.

Nationwide: While specifics on the program (SmartRide) recent contexts, they've been noted for offering savings through monitoring driving habits, with savings up to 40% at policy renewal.

Progressive: Although not discussed in detail in recent contexts, historically, they've been pioneers with Snapshot, which uses a plug-in device or mobile app to track driving.

These programs generally work by either installing a small device into your car's diagnostic port or using a smartphone app. They track metrics like speed, braking, time of day driving, and sometimes location to assess driving behavior. While these programs aim at rewarding safe drivers with discounts, there's also a concern over privacy and how this data could potentially be used to increase rates if driving habits don't meet certain standards.

The sentiment around these programs reflects a mix of appreciation for potential savings and concern over privacy and how driving data is utilized. Always remember, while these programs offer discounts, they also come with the caveat of being monitored, which might not appeal to everyone due to privacy concerns.