Progressive California Auto Insurance Quote

Insurers envision omniscient cars

CHICAGO — A few months ago, Saman Jayasekara was shopping online for cheaper car insurance when he came across a new product from Progressive Corp. that offered him the chance to save as much as 30 percent.

But there was a catch. He would have to install a device in his Hyundai Sonata that would monitor his driving habits, such as when he drove, miles driven and number of sudden stops. Progressive would analyze the data to determine whether he deserved a discount.

Jayasekara, a software programmer in New Jersey, enrolled, and after a month he received a 23 percent discount, which could save him hundreds of dollars a year.

“Everybody is scared of being monitored,” Jayasekara said. “But I’m happy with my discount.”

Progressive was one of the first insurers to venture into what people in the industry call “usage-based” or “pay-as-you-drive” insurance. State Farm and Allstate Corp. have similar programs. Evaluating actual driving data is considered a more precise way to gauge risk compared with traditional pricing methods that factored in, such as age, gender and marital status.

More accurate pricing has benefits for consumers and the insurance industry.

Proponents say usage-based insurance creates a fairer insurance system because generally safer drivers and people who drive less have subsidized the costs for those who drive more or more recklessly. Progressive, widely considered the leader in usage-based insurance, said the average savings for drivers who have earned a discount is 10 to 15 percent. Not every motorist who elects to be monitored receives a discount, and rates will not go up based on performance, insurers say.

Insurers also predict that in-car monitoring will encourage safer driving or, at a minimum, reduced driving, which could lead to fewer crashes and insurance claims. That has transportation officials and regulators excited by the potential social benefits of usage-based insurance, such as reduced congestion and pollution emissions.

Online California Auto Insurance Quote - Promiga

Online California Auto Insurance Quote

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