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Find the time to read on the provisions of each policy and compare the benefits. This may sound tiresome, right?It’s true. Studying an insurance policy, especially with the fine prints and overlapping explanations may be boring, but you need to get familiar with it, maybe once in a while. Reading your policies is good for your financial health. The short time you need to study the policy may save you thousands of dollars. There is no doubt that the biggest discount on auto insurance is the one that you get by reading the policy. Moreover, reading your policy will make you sound like a pro among the mass majority of people who do not read their auto policies. Combine to what your people advised by collecting more information online, information concerning the strength and weaknesses of your possible insurance carrier. But the right strategy to get your quote information is to check specific auto insurance companies and work with an independent agent. In contrast with captive agents who deal with one insurer, independent agents legally represent many insurance companies, and, hence can give more premium options. This can be managed online, over the phone or, simply, in person.

Posted by Anonymous at 3:19PM | (6 comments)

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Modern GPS based systems are branded as 'PAYD' Pay As You Drive insurance policies, 'PHYD' Pay How You Drive or since 2012 Smartphone auto insurance policies which utilise smartphones as a GPS sensor, e. g. A detailed survey of the smartphone as measurement probe for insurance telematics is provided in The Progressive Corporation launched Snapshot to give drivers a customized insurance rate based on recording how, how much, and when their car is driven. Snapshot is currently available in 46 states plus the District of Columbia. Because insurance is regulated at the state level, Snapshot is currently not available in Alaska, California, Hawaii, and North Carolina. Driving data is transmitted to the company using an on board telematic device. The device connects to a car's OnBoard Diagnostic OBD II port all petrol automobiles in the USA built after 1996 have an OBD II. and transmits speed, time of day and number of miles the car is driven. Cars that are driven less often, in less risky ways, and at less risky times of day, can receive large discounts. Progressive has received patents on its methods and systems of implementing usage based insurance and has licensed these methods and systems to other companies.

Posted by Anonymous at 3:19PM | (7 comments)

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12 As the volume of data increases, insurers will likely require greater levels of analytical sophistication in order to compete. Insurers that can effectively correlate data on policyholder behavior to the probability of loss events will have a competitive advantage in pricing, while those that cannot may take on too much risk relative to the premiums collected. Additionally, insurers may find these new data classes to be hugely valuable in building new customer experiences and offering value added services, such as coupons, smart routing, or other benefits directly or through third parties. Along with analytical expertise, insurers should develop technological and operational capabilities to handle the challenges of insuring tomorrow’s self driving cars. A range of companies are testing autonomous vehicle technologies, but no standard has emerged for the hardware and software components that comprise these systems, meaning that multiple systems or standards could potentially coexist in the marketplace. Each hardware and software configuration may vary in performance and, by extension, have a unique risk profile.

Posted by Anonymous at 3:19PM | (4 comments)