I use the State Farm app on my phone. Rates went from $145.73 to $133.12 per month for two autos. But only one auto has the app registered. When I set it up I stuck a little device they gave me on the inside windshield so the company knows you are in the insured car and not riding on another vehicle. You have to have your phone with you when driving.
Yes, they will be able to tell if an accident was your fault, should you have one.
(BTW this should be in the non Villages forum)
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