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Tulsa auto insuranceMany times, it seemed like our increasingly tech-reliant society was headed for driving disaster. With the never-ending popularity of cell phones, text messages, apps, portable music players, we seemed like we were on the road to ruin.

But innovative companies are now taking the technology that once put our driving experience in danger and turning it around into something that can actually help us drive better.

Onboard Cameras

Technology is being perfected that will use onboard cameras to supplement your eyes and judgment while you drive. These cameras will be used to help drivers see what is in their blind spot, to warn of potential collisions, to help drivers back up and to supply images of hard-to-see obstacles.

How are these cameras going to impact your auto insurance premium? Well, if you have them in your car, then it is likely you will enjoy discounts. Of course, these cameras might not come standard in every vehicle and also won’t be available in older model vehicles, but if the insurance savings is significant enough, it could make it more cost effective to purchase a new one.

Smart Apps and Phones

The cell phone can be dangerous tool to have behind the wheel and texting, an action that requires almost constant attention on your fingers when they should be on the road, is downright criminal. But a new smartphone technology has made it safe once again to have a cell phone behind the wheel and not because you can talk or type on it. This technology, called Drive Reply™, is a call responder and auto text that you can enable anytime—especially when you are driving. You can personalize the response anytime and the system will auto respond to any incoming call or text by giving the person your programmed message.

But the smart apps don’t stop there. There are also applications that can read texts and emails aloud, although you should only use them if you won’t be tempted to still pick up the cell phone and respond after hearing the text message or email. Still other apps can be used to teach you how to respond to certain driving situations while avoiding accidents and can warn you about upcoming road conditions.

While these measures may not reduce your auto insurance premium, their ability to help you avoid accidents will also assist you in keeping a low auto insurance premium rather than one that increases as a result of your driving history.

Other Safe-Driving Advances

Other devices currently in development include a safe driving device from GreenRoad that monitors 120 different aspects in a driver in order to assess the riskiness of their behavior. The company touts the technology’s ability to decrease the number of car accidents and reduce fuel costs. It is mostly being used by commercial ventures to help them manage their drivers.

Finally, Nissan has released a concept automobile with several safety measures. The first is a highly sensitive alcohol odor sensor built into the shift knob. It uses the driver’s perspiration to determine if there is alcohol present then compares the level of alcohol with preset limits. If the alcohol detected surpasses limits then the vehicle is immobilized. There is also a camera present to detect drowsiness and an operational behavior monitoring system to detect lane drift and other evidence of drowsy, distracted driving.

While none of these technologies is available yet to the general driving people, they could have an additional effects on the cost of insurance as underwriters have the ability to assess risky drivers differently and fewer alcohol or sleep-related crashes occur.

Even if you don’t have access to these technologies, there are other ways for drivers to reduce their auto insurance premiums. You can do so by taking defensive driving classes, staying focused while driving and not taking the privilege of driving for granted but instead, treating it like the responsibility that it is. Call us at (918) 662-7560 to learn more about it or to get a free Tulsa auto insurance quote.

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