Usage-Based Car Insurance and Telematic Systems [Easy Guide]

Usage-based auto insurance programs calculate your rates based on the actual use of your car. Usage-based insurance includes pay-per-mile and pay-how-you drive programs that offer discounts based on your driving habits. Telematics car insurance programs monitor drivers on habits like hard braking, speed, and time of day. Usage-based discounts can be as much as 40%, although most drivers see a smaller discount.

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UPDATED: Jul 25, 2022

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