NJM SafeDrive Go

NJM Insurance

About this app

NJM SafeDrive Go is a voluntary program that encourages safer driving and offers a discount on your car insurance, if you choose to participate. A smartphone app is used to measure driving behaviors and provide feedback to you and information to NJM regarding your acceleration, braking, cornering, distracted driving, and speed. The app measures the following data points:

* Acceleration — sharp increases in speed
* Braking — hard braking occurrences
* Cornering — the angle and speed of a turn
* Distracted Driving — handling or interaction with the smartphone while the vehicle is in operation
* Speed — measured and compared to the posted speed limit

Ratings and reviews

The telematics from the app were used to increase my rates significantly (Up $649 annual) despite being told my rates would not increase from participating, thus nullifying the discount, reinforcing the idea of my data being used against me, and forcing me to increase my deductibles to reduce the rate. This terminated my trust in this so-called 'discount' program. App also uses a lot of energy. Will be removing myself from the program, deleting the app, and reassessing my on-going insurance.

too many false positives if you drive a stick. I have an accelerometer gage in my car and only for a brief fraction when going form a standstill do I break the 1/3 G limit. They really need to add duration to all the accelerometer warnings so if it is a pot hole or something jerks the car it doesn't ding you. That or take the lower of the two values, the GPS recorded acceleration or the phones accelerometer data. Cause I drive a Diesel and you have to destroy your clutch to be ginger enough.

This app seems a little intrusive. It wants access to physical activity of my phone. I mean it's bad enough it wants Bluetooth on all the time and also gps, but why does it need physical activity. I almost feel like I'm better off just paying the full price of my insurance

What’s new

NJM Version 3.0.0.0