Understanding Driver Score Car insurance companies, rental car services and even some employers rely on trusting your ability to drive safely in their relationship with you. For employers, it’s the vehicle you use, as with rental services, and they want to know whether they will get that vehicle back in one piece. For insurance companies, understanding what kind of driver you are is essential for estimating risks, and with that, the premiums they should charge you. The solution to these issues is your Driver Score, which assesses a driver’s skills, how safe they are on the road and so on to evaluate how good a driver they are. In turn, this allows insurers to understand risks (also called UBI), and for rental companies and employers to know whether they can trust a driver with their vehicles. The data is usually collected through telematics technology, which is used to assess driver behavior. Things like excess speed, late braking and so on can impact scores, as can the time of day you usually drive, how often and how far you driver are also taken into account. What Contributes to a Good Driving Score? Knowing that a good driving score could lower your insurance premiums, help you rent a vehicle or even get you a job, the next question is obvious, how do you get a good score. In general, a driving score is between 0 and 100, and the higher the score, the safer your driving is thought to be. With anything above 80 being considered good, improving your driving score can make a real difference, and the good news is that it is relatively easy to do so. When driving with a telematics device active, stick to speed limits, avoid nighttime driving and drive smoothly, avoid sudden acceleration or braking, and you should do well. Many systems will give you real-time feedback on problem areas too, it is important to pay attention to those and rectify the issues with your driver behavior. What is the Passing Score for a Driving Test? While a telematics-based driver score is one that many insurance companies use, the driving test score itself is just as important. These values do change from jurisdiction to jurisdiction, the U.S. standard is a core of 80 out of 100 points or more. As each question is worth 1 point, that means you need to get at least 80% of the questions right, which doesn’t leave much room for mistakes. In addition, while not contributing to the score itself, you will need to show your practical skills too, including being able to merge into traffic, signal turns, stick to the speed limits and park your vehicle. No matter how well you score on the test, if you can’t perform these basic maneuvers, you won’t get your driver’s license. Conclusion Getting a high driving score brings two benefits. The first is one we have mentioned, potentially lower insurance premiums, rental costs and access to some types of jobs. But there is another that is probably more important, it makes you safer on the road. By adopting driving habits that increase your score, you are less likely to have an accident, and that is good for you, your vehicle and other road users.
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