💰You could be paying less for car insurance

Car insurance has always been a bit of a one-size-fits-all deal… even when it doesn’t quite fit.

But now there’s a smarter way to pay: usage-based car insurance (UBI). It’s simple—your rate is based on how much and how well you drive.

There are two types:

• Pay-As-You-Drive: Lower mileage = lower premiums
• Pay-How-You-Drive: Safer habits = more savings

Using an app or a small device in your car, your insurer tracks things like:

• Mileage
• Speed & braking
• Time of day you drive
• Phone use behind the wheel

If you’re a low-mileage or safe driver, you could save 5% to 30%—sometimes more, with ongoing discounts.

• Good fit for: remote workers, retirees, students, safe drivers
• Not great for: long-distance commuters, speed demons, night drivers

Worried about privacy? Most programs are opt-in, and you can leave anytime.

If your driving habits are solid, usage-based insurance could be the easiest way to lower your monthly bill.

Make sure you’re getting the best deal on your auto insurance by comparing quotes here.

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