Mentor scores the following driving behaviors: Acceleration, Braking, Cornering, Distraction, and Speeding. Each of these contributes to your FICO® Safe Driving Score.
- Acceleration: measures how quickly you accelerate. Fast starts (Harsh Acceleration) occur when using your accelerator more aggressively and increase your collision risk while steady, smooth accelerations help keep you safe.
- Braking: measures how quickly you slow down. Braking too fast (Harsh Braking) is typically a result of following other vehicles too closely or being distracted and missing signs, lights, exits, or stops. Smooth braking, on the other hand, is more likely to occur when you maintain a safe following distance and travel at a safe speed.
- Cornering: measures your speed around curves and turns. Taking a corner too quickly is dangerous, especially in high-profile vehicles. Safe cornering lowers your collision risk as you navigate roads.
- Distraction: measures frequency and duration of device usage while driving. Any interaction with your device while the vehicle is in motion, including moving or handling your device, placing or receiving phone calls, or texting while driving, is dangerous.
- Speeding: measures how fast you are traveling on each drive. Driving over the posted speed limit significantly increases your chances of being involved in a serious collision.
Your scored behaviors contribute to individual risk ratings for each of your driving behaviors. Your data is also used to generate a predictive risk score, called the FICO Safe Driving Score. Each trip taken considers the distance and duration driven and assesses the total opportunities you have to maneuver smoothly and safely, then weighs that against the positive and negative events captured during the trip.
The FICO Safe Driving Score is a 7-day rolling average that weighs your history of behaviors over the last 7 calendar days to produce a single score. This score is an indication of your risk level and likelihood of being involved in a future collision.
A FICO Safe Driving Score at or above 710 represents Low- and Very Low-Risk ratings. Drivers at these levels are 30% less likely to be involved in a future collision as compared to drivers who maintain Medium-, High-, or Very High-Risk scores.