Install
Usage-Based Insurance guides
Connected-car data, data brokers and your premiumHow automakers' driving data reached insurers via LexisNexis and Verisk, what the FTC and state attorneys general did, and how to check your own file.Driving data privacy lawsuitsThe FTC order and state and private lawsuits over automakers, apps and data brokers selling driving data used by insurers, and where the cases stand.Low-mileage discounts: how insurers reward driving lessHow insurers price low annual mileage, the difference between a mileage discount, telematics and pay-per-mile, how mileage is verified, and who saves most.Pay-per-mile car insurance: how the pricing worksHow pay-per-mile car insurance bills a base rate plus cents per mile, which major insurers offer it, how to find your break-even mileage, and its trade-offs.What driving apps collect and how insurers use itWhat insurer telematics apps and devices record, how the data is used for pricing and claims, how long it may be kept, and how to protect yourself.Telematics programs from the major insurers comparedSide-by-side comparison of the big insurers' telematics programs: current names, how each collects data, and whether your rate can go up. Checked October 2026.Usage-based car insurance explainedHow usage-based car insurance measures your driving or mileage, what it can do to your premium, the three main types of program, and who tends to benefit.