Teen Monitoring Discount

Auto-Owners now offers a new 5% discount for teen monitoring.  How does the Teen Monitoring discount work?  You can use an app on a phone or certain GPS units.  The information from the app/GPS must go to the parents.  It is not shared with Auto-Owners.

If your teen is between the ages of 16-20, they are eligible for this discount.  All it takes is a GPS unit attached to the vehicle the teen principally operates OR the teen in an eligible application on their smartphone. This discount will be applied upon the receipt of the proof of the purchase or other documentation.

Eligibility:
Eligible GPS units and smartphone applications must meet the following criteria:

• Locate Vehicle-the ability to determine the vehicle’s location via Web or phone.
• Speed-the ability to know the teen driver’s speed and other various

The discount is removed when the operator turns 21, gets married, or is removed from the policy.

An otherwise eligible operator is no longer eligible for this discount if they have had:

• More than 1 at-fault accident, or
• More than 1 violation resulting in 2 or more conviction surcharge points, or
• One violation resulting in 4 or more conviction surcharge points, or
• One at-fault accident and 1 violation resulting in 2 or more conviction surcharge points.

If this is something you are interested in, here is a hyperlink of 5 companies that could help you with the discount! https://www.hellotech.com/blog/5-of-the-best-teen-driving-apps-for-parents/.  Auto-Owners has recommended these two apps that are eligible for this discount: Life360 and SafeDriver which are both mentioned in the article.  If you are interested in a different teen monitoring app, let us know and we can check to make sure that it would be eligible for the discount too - they need to monitor location, speed, and other driving habits if available.

We have an insured who uses the free version of the Life360 app and they really like it.  They know that their college child is in class so not to call, or that their child made it to work or a friend's house, etc.  Even if you don't have your auto insurance with Auto-Owners, you might want to see if these teen monitoring apps might be useful to you and your family.

If you have any questions regarding this new discount, please contact your agent directly, email us at service@insaia.com, or call our office at (515)279-2722.