Safe Drive Rates covers usage-based and telematics insurance: the programmes that monitor how you drive and price the policy accordingly. They are generally sold on the size of the discount and explained afterwards, which is the wrong way round.
So we start with the mechanism. What the device or the app actually records, what it cannot see, how those inputs turn into a score, and which of the resulting conclusions are fair. A hard stop to avoid someone pulling out registers identically to careless braking, and that is worth knowing before you enrol.
Everything here is general information about how car insurance works in the United States, not advice about your policy, your claim or your circumstances. Cover terms, programme rules and legal requirements vary by insurer and by state, and they change. Confirm anything that matters with your own insurer or the relevant regulator before relying on it.