Auto clients who think they are paying too much should consider telematics, the co-founder of LowestRates.ca suggests.

With telematics, or usage-based insurance, the client normally installs an app on their smart phone or hardware into their vehicle diagnostic port, the OBD-II port, so the insurer can track things like when and where a vehicle is driven, how fast and whether the driver does things like brake sharply or accelerate suddenly.