Here are current pay-as-you drive offerings from major insurance companies. For details on how these low-mileage discount programs work, see “Pay-as-you-drive discounts: a guide.”
- American Family Insurance
- GMAC Insurance
- The Hartford
- State Farm
Allstate's Drive Wise: Allstate has been expanding the product and it is now available in 30 states. The plug-in stats are used to decide if you get a 10 percent discount for the first policy term. Allstate says good drivers who rack up few miles during following terms may qualify for up to a 30 percent cut. Available in Arkansas, Arizona, Colorado, Connecticut, Florida, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Utah, Virginia, Washington and Wisconsin.
American Family Insurance's mySafetyValet: The company says customers can receive a 5 percent "introductory" discount by installing the mySafetyValet plug-in. If you renew after six months, the discount could eventually reach 30 percent. Not available in every state.
Esurance's DriveSense: The plug-in transmits details through Sprint's wireless network to Esurance, which determines if drivers qualify for discounts up to 30 percent. Esurance has expanded the availability of DriveSense the past year; it's now in Alaska, Arizona, Idaho, Iowa, Illinois, Massachusetts, Nebraska, Rhode Island, South Dakota and Texas
GMAC Insurance's Low Mileage Discount: GMAC, now known as National General Insurance, offers two paths to a discount. Its plug-in monitors much the same data as other insurers. The company also offers the option of reporting mileage though OnStar. GMAC says rate cuts range from 13 percent for those who drive 15,000 miles a year to 50 percent for those who drive less than 2,500. It's available in 35 states: Alabama, Arizona, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wisconsin.
The Hartford's TrueLane: A plug-in transmits details to the insurer through its partner, Octo USA Inc., over that firm's cellular network. This is another one that gives a 5 percent discount for enrolling. The insurer says that after driving for 75 days, your premium could drop by as much as 25 percent. TrueLane is offered in Alabama, Arizona, Arkansas, Colorado, Connecticut, Idaho, Illinois, Iowa, Maryland, Minnesota, Missouri, Nevada, New Mexico, New York, Oregon, Oklahoma, South Carolina, Vermont, Virginia, West Virginia and Wisconsin.
MetroMile: Plug in its Metronome gadget, drive less than 5,000 miles, and the company says you could save 40 to 50 percent over traditional insurers. (A closer look: “Buy your car insurance by the mile.”) MetroMile is the only program based solely on mileage, and it is available only in California, Illinois, Oregon and Washington.
Progressive's Snapshot: Install the OBDII device and hope your motoring warrants a discount. The insurer aggressively markets Snapshot and offers it in most states. But there are exceptions - Snapshot isn't available in Alaska, California, Hawaii, Indiana and North Carolina. Recently Progressive announced that some drivers may see rate increases at renewal time rather than discounts, but that proviso affects only new customers.
Safeco's Rewind: The company, which is owned by Liberty Mutual, offers a PAYD for motorists who are paying higher insurance rates because of traffic tickets or accidents. A device monitors their driving and, after four months, the record is evaluated by Safeco, which may reduce or eliminate the premium increases that came because of the prior accidents or violations. Rewind isn't available in every state.
State Farm's Drive Safe & Save and In-Drive: You need an OnStar or SYNC subscription for Drive Safe & Save. State Farm receives odometer readings from these manufacturer-installed telematics systems every 30 days after you enroll and, after six months, adjusts your premium to reflect the mileage. The company says discounts usually range from 10 to 50 percent depending on mileage. The insurer also offers In-Drive, which like most other pay-as-you-drive plans uses an OBDII plug-in to track your mileage and driving habits. The programs are available in all states except Massachusetts and Rhode Island.
Travelers' IntelliDrive: It offers an immediate discount of up to 5 percent by installing the plug-in. IntelliDrive can cut premiums by as much as 20 percent, according to Travelers. Available in Alabama, Connecticut, Indiana, Illinois, Maine, Ohio, Oregon and Virginia.