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Insight

Using Telematics Data to Lower Your Total Cost of Risk

By Alliant Transportation

True story: An intermodal hauler operating in some of the toughest freight corridors in the country — South Florida, Chicago, Texas, Los Angeles — was struggling with low driver safety scores. Speeding, hard braking and overall poor driver behavior in three out of the last five years meant they came in well below national benchmarks for their fleet size. Obtaining affordable insurance coverage was a challenge.

But when their telematics data, including driver motor vehicle records (MVR) were analyzed more closely, we found something important. The risk wasn’t spread across the fleet—it was concentrated.

Out of 170 fleet drivers, just four were driving a disproportionate share of the problem. Another nine needed immediate intervention. Within seven days, the four problematic drivers were terminated, the group of nine was remediated through training, and soon after, the fleet’s current and 90-day scores moved above national averages across key metrics. Only then were we able to find the company the right insurance carrier—armed with a better story to tell.

The data was already there. What mattered was how the fleet used it.

Every mile your fleet runs generates information, and most fleets already collect more than they can reasonably process. What separates fleets is how they use that data. It gets pulled into reports, reviewed at renewal and translated into a score, but rarely makes its way into your fleet’s day-to-day decisions that could change outcomes in real time.

When telematics is used as an operational tool, not just a reporting engine, it can help to:

  • Identify risk at the driver, route and shipper level.
  • Intervene before losses occur, not after.
  • Demonstrate improvement to underwriters with credible, recent data.
  • Tie operational decisions directly to financial outcomes.
  • Price routes more accurately, estimate delivery times and shipper expectations.
  • Track your fleet more accurately in a way that reduces losses.

Turning Data into Decisions: The Four Pillars

Don’t just check the box when it comes to telematics. Fleets can successfully lower their total cost of risk with a consistent approach to telematics data analytics. This approach can be broken into four steps:

Bring together data into a single source of truth from across your systems — telematics, ELDs, cameras, safety platforms and claims. When data is in separate systems, patterns stay hidden. When it’s unified, risk becomes visible.

Find where patterns emerge: which routes carry higher collision frequency, which drivers consistently exceed thresholds, how time of day or customer demands influence exposure, etc. The real value comes from linking those patterns to claims and cost.

Insight only matters if it leads to action. That might mean targeted driver coaching based on specific behaviors, adjusting routes that consistently produce higher losses or responding faster to incidents using real-time alerts.

Over time, these insights should shape broader decisions: how you train drivers, how you price routes, where you allocate equipment and how you position your program at renewal. When done well, this creates a feedback loop where data continuously informs both operations and strategy.

 

How Insurance Companies and Fleets Engage Telematics Data

Telematics data and analytics can plug holes for your fleet and insurance companies alike.

Insurers use telematics as a pricing and selection tool, to analyze driver behavior, refine exposure, model loss correlations, segment risk and adjust premiums. While that can support underwriting, it doesn’t always work in the fleet’s favor. Without the right structure, you risk handing over raw data without context—data that may be interpreted without understanding operational realities.

The advantage comes from shaping that data before it goes to market. Fleets whose data tell a clear story of compliance, improving driver safety and reduced risk will fare better in annual renewals.

Fleets can use the same data as a forward-looking tool: identifying what to fix now, not what went wrong last quarter. That requires translating data into operational changes that can be validated before renewal.

The challenge is that most transportation organizations operate in silos. Safety teams track events. Claims teams handle losses. Finance monitors spend. HR manages hiring and retention. The result? You may know your loss ratio, but not which drivers, routes or customers are driving it. You may see rising costs, but not how behavior behind the wheel connects to those outcomes. Data analytics can best connect those dots across internal departments when data is shared and aligned across functions.

A Roadmap to Improved Safety and Better TCOR: FleetLytics

Most fleets collect telematics data, but few turn it into safer drivers, lower costs and a stronger story for underwriters. For middle-market fleets, that capability rarely exists internally. That’s why the right broker and technology partners make a difference.

Alliant’s FleetLytics is a SaaS analytics platform built to do exactly that— reduce risk, lower your total cost of risk (TCOR) and help you walk into every renewal with credible, defensible data. FleetLytics delivers real-time visibility into mileage, driver behavior and forward-looking risk evaluations, so you're not just tracking what happened — you're actively driving fleet improvements.

Key capabilities include collision detection, instant claims reporting and tracking, automated driver onboarding and compliance, targeted coaching based on specific driver behaviors, real-time corrective feedback and direct performance data integration with insurers. Having analytics and data as a part of your roadmap will help improve performance now and present a stronger, more credible risk story at renewal.

Contact Alliant to evaluate how your current telematics data is being used, and how it can do more to reduce your total cost of risk.

This document is provided for general informational purposes only and does not constitute legal, tax, accounting, insurance, brokerage, risk management, or other professional advice. You should consult your own legal counsel or other qualified professional advisors regarding your specific circumstances, and receipt of this document does not create any client, advisory, fiduciary, brokerage, or other professional relationship with Alliant Insurance Services, Inc. This document is provided “as is” without warranty of any kind, and Alliant Insurance Services, Inc. disclaims any liability for any loss or damage arising out of or relating to reliance on this document.

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