Farm Bureau’s Driveology is a usage-based insurance program, meaning driving data is used to calculate a discount on your insurance premium. These programs have grown in popularity in recent years and can be beneficial when you’re looking to save on your bill. For example, when you enroll your car in Driveology, you get a 10% discount just for signing up. Read below to see how this program may fit for certain vehicles on your farm or ranch.
Car Insurance Discounts for Your Personal Vehicles on the Farm
Any typical vehicle you would add to your auto policy and drive on the road qualifies for Driveology. So, while farm equipment and utility vehicles do not qualify for Driveology, pickup trucks do. And why not enroll those vehicles to save on auto insurance costs?
How Driveology Helps You Lower Your Car Insurance Premium
The Driveology program can help you save money on your car insurance premium based on safe driving habits. Trips taken are tracked in the app and you can see trends in speeding, hard braking and phone use. Users are also able to see this information for all enrolled drivers on the policy (like teen drivers). Driving behaviors are factored into a rolling two-week driving score, shown in the app and updated in near real time. The most-recent annual savings are displayed in the app, along with a rolling driving score. The higher you score, the more you can save at your next policy renewal. Your privacy is our priority. The driving data that is collected through Driveology is used to calculate your auto premium discount and our Privacy Policy is strictly followed.
How to Practice Safer Driving on Country Roads and Save Money
The principles of safe driving should always apply whether you’re on city streets or rural roads. Any time you’re driving, it’s wise to be aware of your surroundings, distractions and speed. However, there are some considerations when you’re driving out on the open roads vs. weaving in and out of neighborhoods.
1. Be Mindful of the Speed Limit
Being aware of how fast you’re going may be tricky when you’re cruising along the highway with no other cars around you to help regulate your speed. Your vehicle may have a navigation function that displays the speed limit for the area you’re in or you could use cruise control to avoid speeding.
2. Pay Attention on Unpaved Roads
Driving on rural roads can often mean you’re driving on uneven surfaces, like gravel. If you’ve grown up in the country, you already know these road types may require you to slow down, especially when changing directions or approaching a stop.
3. Watch for Obstacles
Depending on where you’re driving, streetlights may not be present. This can drastically influence visibility, leaving you vulnerable to what you can’t see, like animals ready to dart across the road. Try using your high beam/bright lights to help you see further. Just be mindful to not use these when there are other cars near you.
4. Stay in Your Lane
Veering out of your lane can be extremely dangerous and it happens more often than you might think. When you’re driving alone on open roads, it can be easy to zone out and lose track of spatial awareness for your vehicle. Try to keep yourself alert with music on the radio, interesting podcasts or put the windows down for some fresh air when possible.
Be a Safe Driver and Save
Safe driving habits come naturally to most drivers, why not save while you’re at it? In some cases, driving on country roads may be safer than driving in the metro, simply because there are less cars on the road and that could mean more savings for you. Contact a local Farm Bureau agent today to learn more about how you can save on average more than 25% on your auto insurance premium by participating in Driveology!