Does anyone actually look forward to speaking with their insurance agent? Most of the time, we only talk to our agents to make a claim or negotiate a new premium – neither of which are particularly pleasant. But if you think you deserve a break on your premiums, don't be afraid to speak up, even if your policy isn't up for renewal. Asking for a discount is easy when you know your drivers are safe and your vehicles are secure.
GPS tracking devices arm you with the knowledge that your drivers and fleet vehicles are safe and secure. They do this by:
Learn more about how GPS fleet tracking can help you save on your premiums.
There's no reason to worry about asking your insurance provider for a discount on your premiums. With our tips, speaking to your agent is easy.
The primary concern for most insurance providers is your fleet's total mileage. In addition to securing your vehicles and encouraging safe driving habits, GPS tracking devices accurately calculate mileage for each vehicle and your entire fleet. Have mileage information ready when you approach your agent – it's available at the touch of a button from your computer or your smartphone.
Offer your agent access to your fleet tracking software so they can review your fleet's actual driving behaviors and typical driving times. Information on driver behavior, such as Driver Safety Report Cards, can be sent directly to your insurance company – simply email your agent the Report Cards you'll automatically receive from your GPS tracking software.
Your agent might not be familiar with your GPS tracking device. When you speak to them, tell them about these features:
Tell your agent about driver safety training programs or incentives you have in place, and be ready to show that you're using the information your tracking devices provide to improve your fleet's driving habits.
Some insurance providers prefer to use their own device or a device offered through third-party GPS tracking company. If your provider suggests using one of their devices, ask your agent these questions:
1. Does the device produce driver safety report cards?
2. Will you receive alerts when unsafe behaviors occur?
3. What does the device do to help you coach your drivers and encourage safe driving habits?
Devices provided by your insurance company won't provide you with the analytics or GPS tracking data that you can use to improve driver behavior and save your business money. If your agent answers “no” to any of the above questions, explain how a Linxup GPS tracking device collects more actionable information and offers additional features like report cards, geofencing, smartphone applications, and real-time alerts for unsafe behavior. And if your agent will absolutely not accept the use of a Linxup tracking device, you can suggest using your Linxup device in combination with their device using a Y splitter.
Asking your insurance agent for a discount doesn't need to be scary. When you speak to your provider, reiterate that GPS tracking devices like Linxup's provide 100% accurate information on vehicle mileage and usage, and explain how the data collected by your GPS device can help increase vehicle safety and security, improve driver behavior, and encourage safe driving habits. Even if your agent can't provide a discount, you'll still enjoy reduced operating expenses and increased revenue.