A driver tracking device such as Telematics can collect a number of data points, but most often, will use the following data as a baseline: Driving time, speed, braking, and the mileage traveled.  All these indicators paint a picture for the insurance company of what type of driver you are and by what discount, if any, you may qualify for. For the most part, drivers that stay off the road after 10 O’clock at night and drive fewer miles per day with soft braking habits are deemed less risky than drivers with opposite habits.

Click here to read a detailed post.