How does UBI work?

UBI uses data collected while you drive to determine how much you pay for car insurance. Most data collected for UBI is done through mobile phone applications. You must download the application and agree to the data collection.

How do I know if UBI is an option I should consider ?

UBI programs are designed to save low-mileage, safe drivers the most money. Drivers who rarely drive at night, drive mostly during daylight hours, drive safely, and drive less will benefit most. However, a number of companies give a discount just for enrolling in the program.

Reliable data on savings is not easily available but insurance companies claim savings between 10% and 40% are possible depending on the UBI plan and your driving practices. Some insurers claim that most drivers save money in their UBI plan.