What Does My DriveMyWay Score Mean?
The DriveMyWay score at the top of your smartphone app shows your accident risk based on your driving habits. Your score will be between 0 - 100.
- Scores closer to 0 indicate a higher accident risk
- Scores closer to 100 indicate a lower accident risk
Where Can I Find My Driving Score?
If you’re the only person on your auto policy, you can find your 12-month score at the top of the app.
If there are other people on your auto policy, you can find the 12-month score for each driver on your policy who is enrolled in DriveMyWay in the Family section of the app.
How is my driving behavior scored?
Behavior Scoring Variables
Number of Short Trips
How Does My Score Impact My Insurance Rate?
To calculate your policy score:
Use this chart to help you see if you’re projected to save on your auto insurance rate based on your overall policy score.*
- Add the scores for all participating drivers on your policy.
- Divide the total score by the number of participating drivers on your policy.
Note: If you have drivers on your policy who are not enrolled in DriveMyWay, that may reduce your policy score and keep you from achieving your best rate.
- Add the two scores (68 + 84 = 152)
- Divide the total by the number of drivers on the policy (152 divided by 2 = 76)
- Your overall policy score = 76
- Using the chart, a policy score of 76 is projected to give you savings on your rate!
When and How Is My Rate Calculated?
Your DriveMyWay rate impact is calculated at your next policy renewal. Keep in mind your score may change over time based on the safe driving behaviors of all participating drivers on your policy.
In addition to your DriveMyWay score, the amount you pay for insurance can also fluctuate based on other factors such as accident claims, driving violations, requested changes to your policy, discounts that were removed or planned rate increases.
I Received My Score. What Are My Options?
If you choose to continue participating in the DriveMyWay program, your personalized rate will be applied at your next renewal. If you choose to unenroll from the DriveMyWay program after the 100-day trial period ends, your driving behavior at the time of unenrollment will be used to calculate the rate applied at your next renewal.
Like your score or want to improve your score?
Decide the program isn’t right for you?
How Can I Improve My Score?
Here are a few tips to help!
Minimize phone use
- Use hands-free features. Using Bluetooth technology or connecting your phone with your vehicle’s built-in functions can let you use voice commands so you can keep your eyes on the road.
- Mount your phone at eye level. If you need to use your phone’s GPS for navigation, consider purchasing a phone mount that can hold your phone near your normal line of sight while driving. That way, you can keep both hands on the wheel.
- Keep your phone out of reach. If you don’t need to use your phone for navigation or if you can communicate using hands-free features, consider keeping your phone somewhere in your car where you can’t reach it while driving.
Reduce hard braking
- Follow the 3-second rule. Watch the car in front of you. When it passes a landmark like a road sign, count how long it takes for you to pass that landmark. Leaving a three-second gap is best when driving conditions and visibility are good. Leave more room when conditions are poor.
- Take a deep breath and relax. Self-care and relaxation techniques can help you remain calm and potentially avoid dangerous driving behaviors like road rage and hard braking.
- Give yourself more time and slow down. Dangerous driving behaviors like speeding or hard braking may be more likely to occur when you’re running late. Try to leave early enough so you’re not stressed getting to your destination on time.
- Reduce distractions. Remember, distracted driving is dangerous driving. Keep yourself and others safe by resisting the urge to text or use your phone while driving.
- Drive defensively. Stay alert and watch what other drivers are doing so you can react to dangerous situations earlier and avoid slamming on the brakes.
- Use cruise control. Setting a consistent speed using cruise control can help you stop speeding, but it’s best to use this feature when the speed limit will be the same for a long stretch of road. It’s also important to continue paying attention to the road so you can react quickly if you need to slow down.
- Look at your speedometer. Your car’s speedometer tells you how fast you’re going, so check it often and slow down when you’re going over the speed limit. Over time, your speedometer can become less accurate and move out of alignment. If you notice you’re passing cars but going the speed limit, consider visiting your auto repair shop to have your speedometer’s accuracy checked.
- Practice leaving early. If you’re running late, chances are you may speed to get where you need to be on time. Using your phone’s alarm feature, practice giving yourself enough time to get ready and out the door on time, which may help decrease the pressure to speed.
- Try to reduce stress. Like hard braking, speeding can be caused by stress or anxiety. Take a deep breath, practice relaxation techniques and remain calm while driving.
- Enroll all drivers on your policy in DriveMyWay. When every driver on your policy participates in the program and practices safe driving behaviors, you can get the best savings on your rate.
- Consider changing how much or when you drive. Accident risk increases the more you are on the road, and if you drive between 6 PM - 4 AM. Consider avoiding late-night driving or try carpooling, public transportation or biking to help reduce how much you drive.