Usage-based insurance—which bases discounts on your personal driving habits, instead of on how people like you drive—is already widely adopted in Europe and is on its way to becoming the new norm in the United States.
So is it for you?
To answer that, let’s first talk about the kind of driving that matters when you have usage-based insurance.
At Progressive, the driving habits that count toward your discount are the ones that lower your accident risk, like:
• Minimizing your daily mileage
• Avoiding slamming on the brakes
• Staying off the roads between midnight and 4 a.m.
This kind of driving might come naturally to you. In fact, more than 70 million U.S. drivers already practice all three habits, according to a survey conducted by Harris Interactive.
The other thing to consider with usage-based insurance is how much exactly you might save and whether it’s worth switching your insurance. Generally (and here at Progressive), you can save up to 30 percent.
If you’re still on the fence about usage-based insurance, or switching your insurance, take our usage-based insurance program, Snapshot®, for a 30-day test drive and preview your potential savings.
Hear from Eric, of Baltimore, who tried usage-based insurance and saved 18 percent:
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