Angie's List: How to reduce your car insurance premium with tracking technology

LEWISTON, ID - Would you let your insurance company track your driving for a discount?

More than a million drivers across the country are already taking part in pay-as-you-drive or usage-based insurance coverage from large providers, such as Allstate, Progressive and State Farm.

"Technology has come to almost every part of our life and auto insurance is no difference," said Angie's List Owner, Angie Hicks. "If you have a safe driving record and you have good driving habits you might consider an insurance company that gives discounts when they monitor your driving behavior through a tracking system."

"I was a little leery when the program was first introduced to me," said consumer Lyndi Cook. "But after researching it and they sent us the Drivewise in the mail, I realized they don't do GPS tracking or anything like that. It literally just tracks what time of day you are driving, how fast you are accelerating and your brake speed."

"It's perfect for a young driver," said Allstate Insurance Agent, Ranjit Puthran. "If you have a young driver, a teen driver, and you want them to see how they are driving, what their driving history is, what their habits are - that's a great way for a teen to look at their driving habits and correct those."

"I didn't get a very good grade in braking, so I'm trying to be more aware of that now," said Cook.

Puthran says, "It does not penalize you for your driving history," said Puthran. "It only rewards you, those safe drivers that are driving safe. Right now the average savings for a safe driver is 10-percent."

"If you are not ready to take the plunge on the tracking device and give up some of your privacy there are certainly other ways to save money on car insurance," said Hicks. "When you are doing your comparison shopping be sure to ask about low-mileage discounts and safe driving discounts and always check about bundling your insurance."

There are other ways you can save on your car insurance. Talk to your agent. Many providers offer discounts for a safe driving record, low mileage, and bundling insurance plans.