When I told my insurance agent that I'm driving to St. Cloud and back every day, my insurance went way up. He offered this to lower it down as much as 30%.

You may remember a story I posted a couple weeks ago, 16 Minnesota towns that have the worst drivers in the state. St. Cloud was high on that list, and insurance companies are very aware of this.

I've never had an accident or ticket, so generally I get a great rate. Thankfully my wife Ali asked what we can do to bring that rate down to be a little less ridiculous. Our insurance agent told us many of the major insurance companies use a tracker device that you can easily install in your vehicle yourself, that will track your hard accelerations and quick braking for 90-days. Our insurance company will give us a 5% discount just for using it, and after 90-days we could get as much as 30% off our premium for life. Heck yeah we did it!

We constantly check our discount online as we use this device each day, and so far we're at 20% and looking forward to saving some dollars. If you see me driving around like a grandma on Sunday, be kind, I'm trying to save some money. Hopefully this style of driving doesn't become a habit after I'm done with the device...but I think that's the desire of the insurance companies and very likely to happen.

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