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Hartford TrueLane Program

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With its millions of customers, The Hartford is one of the largest investment and insurance companies in America. In early 2012, the company will add the Hartford TrueLane program. In doing so, the Hartford joins a growing number of insurers who offer a usage-based insurance for customers.

What Does it Record?

TrueLane is a device that collects driving behavior data from the insured’s car and sends it to The Hartford. The data gathered includes number of miles driven, how fast the car is driven, the rate of acceleration, braking, and other information.

The Hartford can then use the data to evaluate a driver’s driving habits, amount driven, and the driver’s insurance risk. Hartford has not said what type of discounts or incentives they will offer drivers for enrolling in the TrueLane program. However, low mileage and safe drivers can demonstrate they deserve a discount. The program is similar to Progressive’s Snapshot program.

Autobahn #2
Creative Commons License photo credit: jeanbaptiste maurice

Using Technology to Assess Risk

Historically, insurance companies have used factors such as their age, number of annual miles driven, and driving record to estimate a driver’s risk. It is an inexact science as each driver is different many drivers may underestimate how much they actually drive each year.

However, with today’s available technology, insurance companies can get a much more complete and accurate picture of the driver’s risk. Insurance companies can then reward safe drivers providing the precise data of their driving habits by offering them lower rates. This is good news for safe drivers and behooves drivers with more risk to drive more safely to lower their insurance rates.

Compare The Hartford’s Rates

The Hartford TrueLane program is available for insureds in select states in 2012. How do the Hartford’s rates compare to those of other major carriers? Find out on our site as we offer The Hartford in many states. Simply enter your zip code for free quotes, compare rates, and save!

2 Responses

  1. Donna Abell

    I enrolled in the TrueLane Program, I was sent the devise. I have a 2012 KIA RIO, I plugged it in approximately a month ago. I was told I would receive a email on what to do. I have never received it. So how do I go about getting the information? My acct # with Harford (AARP) is 55PHT192473.

    Thank You,
    Donna Abell

  2. James cooper

    This device messed up my car radio so I took it out

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