Safety Data That Pays You Back

Better Scores, Fewer Claims

A measurable safety program changes the conversation with your carrier: better scores, fewer claims.

  • Risk model built on nearly 6 million vehicles
  • Insurer access you approve, and can revoke
  • Your riskiest drivers flagged before the claim, not after
GO Focus camera beside a rising fleet safety score and a coached event card
+$0.088Per-mile rise in premiums, the steepest climb in a decade, roughly 5% of operating costs (ATRI, 2023)
$1.12Paid in claims by auto insurers for every $1.00 collected in premiums (Insurance Information Institute, 2023)
12.5%Rise in commercial insurance costs in 2024 alone (RPS Transportation Market Outlook)

Carriers are not raising your rate because of your fleet. They are raising it because they cannot tell your fleet apart from everyone else's. Data fixes that.

Risk, Managed

Proof in Hand at Renewal

Carriers respond to documented, trending safety data. Give them a reason to.

Trackable safety program

Scores, coaching records, and trends that document improvement.

Video exoneration

Road-facing footage clears drivers and shuts down false claims.

Falling incident rates

Harsh events falling because the riskiest drivers were coached first.

Renewal-ready reporting

Hand your broker the story in numbers.

Coaching records in MyGeotab · 14 coachable events, assigned and completed

What Changes

Your Own Loss Data, Not Industry Averages

Fewer claims filed

Prevented incidents are the cheapest kind.

See it in MyGeotab
Claims close faster

Video and trip data end disputes quickly.

Stronger negotiating position

Documented risk reduction supports better terms: fleets actively using Geotab's safety tools see 28.7% fewer collisions, a number an underwriter can price (Geotab, 2026).

The video effect: fewer injury crashes, faster exonerations. Event video plus coaching is linked to 35% fewer injury crashes (J.J. Keller, 2023), and when the crash was not your driver's fault, footage plus reconstruction data ends the fault argument early.

Usage-Based Insurance

Priced on How Your Fleet Actually Drives

Usage-based insurance (UBI) programs price your fleet on measured behavior instead of industry averages.

01
You send a defined slice

GPS, speed, trips, odometer, and VIN go to a participating insurer through a one-way data share you control.

02
You approve the scope

Exactly which data types, and exactly which recipient.

03
You can end it any time

The connection is opt-in and revocable.

What carriers are publishing today

  • At least 5% and up to 12% with Progressive Commercial's Smart Haul
  • Up to 20% with HDVI
  • Up to 30% for safe drivers with Cover Whale

Insurer programs as published, 2023; confirm current terms at renewal. Your carrier sets the terms.

On Screen

Risk You Can Point To

Fleet risk distribution, ready to hand across the table: how many drivers sit in each risk band, and which way the bands have moved since the last renewal. Underwriters price uncertainty, and this removes it.

Predicted collision risk ticking live: fleet ranking and scored events per 100,000 miles

Questions

Insurance and Risk FAQ

Can vehicle tracking lower my insurance premium?

Many insurers offer usage-based or safety-based programs, and a documented safety record can support better terms at renewal.

What data helps with claims?

Trip history, speed, and dash-camera footage provide objective evidence that can speed up and clarify claims.

How do we lower risk in the first place?

The platform ranks which drivers are most likely to crash next, then in-cab alerts and coaching bring that risk down before the collision.

What is usage-based insurance?

A policy priced on your measured driving data instead of a flat industry class rate, so safer measured behavior earns better terms. The data goes to the insurer through a share you approve, described in the Usage-Based Insurance section above.

How big are the discounts really?

Treat any figure you see advertised as a starting point, not a promise. Your carrier sets your actual number from your measured data, and nobody honest will quote it before they see how your fleet drives. Ask your carrier which telematics programs they currently offer.

Does sharing data mean the insurer sees everything?

No. As covered in the Usage-Based Insurance section, Data Sharing is opt-in and revocable: the insurer receives only the data types you approve, nothing more.

What if we are not ready to share data with an insurer?

Then build the record first. A documented safety program, trending scores, and coaching history strengthen a conventional renewal too. Sharing is a lever you pull when it pays.

Your Case, Built Before Renewal

Put a free demo unit on your own truck before renewal.

Prefer to talk? Call (877) 771-2236.