Safe drivers save on their insurance with PEMCODOMETER

Your safe driving habits can help you save! On average, participating safe drivers earn a 10% discount with the My Driving Discount. All you need is a smartphone, a PEMCO online account, and the Go PEMCO app available in the Apple App Store or Google Play. 

Research shows that certain driving behaviors – things like driving the speed limit, making smooth stops, and putting down your phone when you’re behind the wheel – make a dramatic difference in reducing accident rates. Since you drive safely anyway, why not let your good choices save you money on your auto insurance premium?  

Want to learn more? Check out our FAQs, plus these videos for tips on how to sign up and set up the app.   

How does My Driving Discount work? 

My Driving Discount is powered by the Go PEMCO app, which you install by downloading from the Apple App Store or Google Play. It runs silently in the background on your smartphone, detecting the location and motion of your car as you drive. Then, for 91 days, drive like you usually do, making sure your phone is on and connected to cellular service. PEMCODOMETER “learns” your routes and driving behaviors, tabulates safety ratings, and updates your driving score after each trip.  
 
You can check PEMCODOMETER to see if there are any driving choices to improve on. For example, if it frequently notes hard braking at intersections, you’ll want to start slowing down sooner for a more gradual stop. 
 
At the end of the 91 days, you’ll learn if you qualify for a discount and how much you can expect to save. Each driver on your policy is welcome to participate—they'll need to download the app, create their own account, and sign up for My Driving Discount on their own device. If you qualify, but another driver on the policy doesn’t, you’ll still get a discount for your own safe driving. Participation is completely voluntary, and you’ll get a temporary discount during the monitoring period just for trying it. It’s a win-win! 

How can I enroll in PEMCODOMETER on my phone? 

Once you’ve decided to enroll, you can sign up for My Driving Discount with just a few taps on your phone:  

• Download the Go PEMCO app on your smartphone and login using your PEMCO online account credentials 

• Select: “My Insurance Info” -> “Auto” 

• Select: “View or Change Policy” -> “Make a Change” -> “Change Driver Details” 

• Follow the in-app prompts to enroll in PEMCODOMETER My Driving Discount 

• Click: “My Insurance Info” -> “Auto” -> “My Driving” 

• Allow Go PEMCO to access your device location all the time 

• Allow Go PEMCO to access your physical activity 

• You’re ready to roll!  

• Drive as you normally do—safely and responsibly. 

NOTE: Make sure that each participating driver on your policy follows this process! You each will be tracked independently of each other.  

You can always call us at 1-800-GO-PEMCO to enroll as well. 

I just enrolled! How do I get started with My Driving Discount? 

It’s easy! Just follow these steps: 

• Download the Go PEMCO app on your smartphone and login using your PEMCO online account credentials 

• Click: “My Insurance Info” -> “Auto” -> “My Driving” 

• Allow Go PEMCO to access your device location all the time 

• Allow Go PEMCO to access your physical activity 

• You’re ready to roll!  

• Drive as you normally do—safely and responsibly. 

NOTE: Each driver who participates will need their own PEMCO online account and follow these steps 

If you have any questions about registration, you can call 1-800-GO-PEMCO. We are here to help guide you through the process. 

How is my discount tabulated? 

In order to calculate your eligibility for the discount, PEMCODOMETER needs to observe your driving for 91 days. During those 91 days, you must drive at least 150 miles over the course of at least five separate trips to be eligible. If it records trips when you’re the passenger and not the driver, you can change the label within the app.  

As you drive, PEMCODOMETER takes specific driving patterns into account, such as: 

• Instances of phone distraction (picking up your phone while driving) 

• Instances of hard braking 

• Speeding 

• The kinds of roads you drive on (I.e., how congested they are, how high their speed limits are, etc.) 

What about my privacy? 

Your information is securely collected during the monitoring period and used to calculate your overall rate. We don’t sell or share your information with any third party, other than our telematics partner. Your data is anonymized.  

How can I find out more about My Driving Discount? 

 
We have an extensive list of FAQs here. 
 
You can also check out these videos: 
 
Why sign up for PEMCODOMETER – My Driving Discount 
 
How to set up PEMCODOMETER – My Driving Discount