Auto Insurance Personalized to You
Extra Benefits Without an Extra Cost
OnStar Insurance values safe driving and rewards our drivers with extra benefits. By just driving safely, you could earn:
Accident Forgiveness
Sometimes accidents happen. With Accident Forgiveness safe drivers aren't penalized if they are in an accident.
Deductible Waiver
When the unexpected happens, safe drivers can skip the deductible on their claim.
No Gadgets Necessary
OnStar Insurance was created for General Motors vehicles. If you drive a Chevrolet, Buick, GMC and/or Cadillac that is a model year 2016 or newer, you can take full advantage of our safe driving program. Instead of plugging in a gadget or downloading an App to assess your driving, we can use the technology already working in your connected vehicle.
What is a Connected Vehicle?
A Connected Vehicle enables capabilities such as in-vehicle Wi-Fi, real-time maps and certain remote functions just to name a few. It also provides information that helps us understand safe driving habits and personalize your rates. This technology is available in General Motors vehicles that are model year 2016 or newer.
Drive your Rate
Now more than ever, you can influence your auto insurance premium by driving safely. When personalizing your premium, we look at the following driving behaviors:
Buckle Up
Wearing your seat belt is important and could make the difference between life and death. We lower rates for drivers who consistently buckle up.
Smooth Driving
It’s important to be consistent and predictable when driving. Sudden actions like aggressive braking can lead to an accident.
Driving Frequency
The less often you drive the less likely you are to get into an accident. That’s why mileage is considered when applying for auto insurance.
Safe Travel Times
Some hours of the day are riskier than others. Visibility is lower late at night and early in the morning, and drivers are often not as alert which slows reaction time.1
Idle Time
Excessive idle time indicates a higher accident risk. Try to minimize the time you spend in traffic and with your vehicle idling.
Get Rewarded
Excelling in each of these categories unlocks extra benefits and rewards like our Accident Forgiveness and Deductible Waiver.
We Make it Simple
Whether you think you are a fantastic driver or not, check us out. There nothing to lose with a free, no obligation quote.
Connected vehicle data provides information about driving behavior and mechanical operation of the vehicle. This information includes things like driving time of day and duration, miles driven, speed, change in speed and seat belt usage.
