Arduino-Based Smart Automobile Insurance System for Driver Behavior Monitoring and Usage-Based Premium Discounts

Abstract

A Smart Automobile Insurance Policy that offers discounts based on accident-free driving can be enhanced using an Arduino- based system. This system can monitor and track a driver’s behavior, such as speed, acceleration, and braking patterns, using sensors like a GPS module and an accelerometer. The data is analyzed in real time to ensure the driver is adhering to safe driving practices. If the system detects consistent accident-free driving with no harsh braking, rapid acceleration, or speeding, it can send this information to the insurance company or a mobile app, potentially earning the driver a discount on their premium. This encourages safe driving and rewards accident-free behavior, leading to cost savings for responsible drivers while reducing the risk of accidents.