How Your Phone Can Help You Drive Your Car Insurance Rate

With the Noblr app + your smartphone, you have the power.

Smartphones have become synonymous with distraction these days, but could they also be used to create a community of more responsible drivers?

At Noblr, we've built an app that uses the tech in iOS and Android phones to help you drive safer while potentially saving you big time on your car insurance. Here's how Noblr is taking advantage of the tech you carry with you every day to deliver rates tailored to your personal driving habits to help you save a lot of money.

Accelerometer: Smooth Driving

Those who pay more attention and avoid hard braking or acceleration tend to have fewer accidents, which means they also tend to pay less. That's why Noblr measures how smoothly you drive.

Smooth driving uses your phone’s accelerometer and gyroscope to see how you're breaking and accelerating. Hard braking and abrupt acceleration are indicators that you're too close to the person in front of you, not paying attention to what the person in front of you is doing, or that you’re going too fast.

Gyroscope: Focus

When it comes to safe driving focus is foremost, which is why Noblr uses your phone's gyroscope to determine by how you use your phone based on its position and orientation. After all, texting while driving is so dangerous that it's illegal in many states.

By not picking up your phone when you drive, you increase your Focus and reduce your likelihood of getting into an accident by, say, texting when you're not supposed to. You're also more likely to pay less. It's win-win.

GPS: Road Choice

Where you drive matters. Using your phone's GPS, the Noblr app can determine whether you're driving on local or major roads. Since most accidents take place on local streets, you score higher (and save more) when you hit the highway.

Are you a low-mileage driver? No worries. You can still save regardless of road choice.

Clock: Time of Day

Driving conditions at night and during the day are like… night and day. By using your phone's clock, the Noblr app can determine if you're driving during safer, sunnier hours, or if you're out doing the night owl thing. Driving between 11 p.m. and 4 a.m., for instance, is statistically more dangerous.

That's why Noblr members not only tend to pay less for driving less at night, they can get a credit for choosing to use rideshare services between 11 p.m. and 4 a.m.

All told, the Noblr app puts your phone's tech to good use to measure how much, and score how well, you actually drive. Using the trip data collected by your phone, your unique Driver Score shows you how well you've driven on a scale of 1 to 100. The better you consistently score, the better a driver you can become -- and, of course, the more savings you can potentially earn. Your phone is already collecting data. Why not put it to use to save money and reinforce safer driving habits?

Get your Noblr quote today to see how much you could save.

*Potential savings estimate is based on a sample risk profile of one driver/one vehicle compared to a leading auto insurer's rate without a telematics discount.