This is when your insurance provider monitors your driving habits and adjusts your auto insurance premiums based on how you drive. Most companies offer a discount to try this monitoring and then determine a more permanent discount based on your driving habits. The safer it is determined that you drive, the greater your insurance discount. This can be monitored through a mobile phone app, a plug-and-drive device, or a black box installed in your car. Common factors that are monitored include: Driving speed, acceleration rate, hard braking rate, time of day or night, trip duration, and mobile distractions (texting and driving).