By stalking your every move.
With cars becoming safer to drive thanks to technologies such as autonomous driving, new car owners have been smiling all the way to the bank with lower insurance premiums, but one issue still remains: the driver's themselves. Yes, human error will always play a major factor in how insurance companies adjust their rates. Honda wants to help bring those rates down by offering a new system known as the Driver Feedback feature which forms part of the HondaLink and AcuraLink connected-vehicle applications service.
This new system will receive feedback on how Honda and Acura owners drive, which in turn could bag them discounts on vehicle insurance rates in 42 US states. Cars such as the Acura RDX and Honda Accord will be eligible.
This opt-in service is a complimentary trial for those subscribed to any AcuraLink or HondaLink package. The Driver Feedback system makes use of vehicle sensors to provide a driving score which is said to instill safer and more fuel-efficient driving techniques. With the customer's consent, data is sent to Verisk, a global leader in risk intelligence and data analytics for the insurance industry, who then goes through the data and returns a detailed score via the in-car app. According to Verisk's "the lowest scoring drivers are seven times more likely to be involved in a crash or have an insurance claim than those with the highest scores."
The system is aimed at educating Honda and Acura owners on ways to improve their driving and reduce their fuel consumption. The first factor the system looks at is smooth driving. "Smooth accelerations and gentle braking can indicate a decreased risk of being involved in a crash or having an insurance claim," says Honda.
The second factor is speed responsibility. This one speaks for itself, as higher speeds add to the risk of crashing. The third factor is consistent driving: driving during risky hours of the day such as in peak morning traffic will lower your score. The last factor is time behind the wheel. This indicator judges the amount of time spent driving the car, which relates to your risk of being involved in a vehicle accident. After three months of driving, owners with higher scores will receive a message through the app notifying them that their driving has made them eligible for an automobile insurance discount. Good luck getting good scores in a Type R or NSX.