Best for overall UBI program: Liberty Mutual

Liberty Mutual earned our recommendation for the best usage-based insurance program ahead of Nationwide because of a combination of potential discounts and maintaining driver privacy .
Liberty MutualGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” primary coil ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/libertymutual-3 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : false, ” isUnavailable ” : false, ” connection ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.libertymutual.com\/ & carrier=Liberty % 20Mutual ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Liberty Mutual ” }
Liberty Mutual ‘s RightTrack program takes the top spot because of its combination of higher electric potential discounts, a short circuit period of tracking drive and a fix discount after that initial period. Drivers with RightTrack can lock in their discount after only 90 days and will retain the savings deoxyadenosine monophosphate long as they hold onto their policy. Drivers can save up to 30 % on their policies, one of the best figures in that category. RightTrack besides monitors fewer behaviors than many other UBI programs .
NationwideGet a Quote

{ “ align ” : ” kernel ”, ” buttonColor ” : ” chief ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/nationwide-4 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : false, ” isUnavailable ” : false, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.nationwide.com\/ & carrier=Nationwide ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Nationwide ” }
The Nationwide SmartRide program is our second picking because it offers consumers the best chance to get a large discount, up to 40 % for most drivers. It besides has a shorter-than-most monitoring period of four to six months. That means after an initial menstruation, drivers lock in their rebate for deoxyadenosine monophosphate hanker as they hold onto the policy. Nationwide does not track phone usage, but it tracks idle time as an indicator of driving in congested dealings .
State FarmGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” elementary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/statefarm-2 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : false, ” isUnavailable ” : false, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.statefarm.com\/insurance\/auto & carrier=State % 20Farm ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” list ” : ” State Farm ” }
State Farm ‘s Drive Safe & Save trails both Liberty Mutual and Nationwide in character because it monitors drivers in perpetuity, adjusting discounts every policy period. Phone custom besides impacts a driver ‘s dismiss. It makes up ground by offering a maximum discount of up to 30% on a premium for most drivers and up to 50% for high-mileage drivers. State Farm besides does not penalize you for driving more, unlike some UBI systems.

Best for potential savings: Nationwide

We found Nationwide to be the best usage-based indemnity company for outstanding drivers looking for the largest discounts because drivers with Nationwide ‘s SmartRide course of study can save up to 40 % on their premium with good driving habits. That ‘s the highest nucleotide percentage listed among major insurance company UBI programs .
State Farm Drive Safe & Save has a maximum rebate of 30 % for most drivers and up to 50 % for high-mileage drivers. Liberty Mutual besides has a maximal discount of 30 % .
This does not mean drivers are guaranteed to get the maximum deduction or close to it. Companies much provide an initial discount for participating and then fuck after multiple months of tracking .

Best to avoid surprise rate changes: Liberty Mutual

Both Liberty Mutual ‘s RightTrack and Nationwide ‘s SmartRide lock in a driver ‘s discount after a given period of clock — 90 days for Liberty Mutual, four to six months for Nationwide. That means once a driver locks in a dismiss on their annual monetary value, they can maintain that drop in price equally long as they stay with the caller. In accession, both insurers guarantee that drivers will not face rate increases from participation in the program .
Geico ‘s DriveEasy plan and Progressive ‘s Snapshot besides lock in discounts after an initial monitoring period, but each brings the hazard of premiums going up. Liberty Mutual and Nationwide only offer discounts as part of a UBI broadcast .
This locked-in dismiss stands in contrast to companies such as State Farm, Allstate and USAA. With these companies ‘ UBI programs, the rebate for each renewal period reflects the driving habits across the former six or 12 months .
We recommend familiarity Mutual as the best usage-based policy caller for inconsistent drivers and those looking to lock in a rebate. Liberty Mutual ultimately edges Nationwide, as Liberty Mutual tracks fewer driving habits .

Best for privacy: Liberty Mutual

How long your driving will be monitored

  • Liberty Mutual: 90 days
  • Nationwide: Four to six months
  • Geico: First policy period, typically six months
  • Progressive: First policy period

Every party that offers usage-based insurance is going to track you to gather data on your force. however, Liberty Mutual earned our recommendation for the best usage-based choice for privacy because Liberty Mutual does it for the shortest period of time, alone three months, and does not require you to be tracked again a retentive as you maintain your policy .
In comparison, Nationwide tracks your driving habits for four to six months. Progressive Snapshot collects data on your driving for the first policy time period .
many other usage-based indemnity programs track and review your driving each reclamation menstruation. This means your drive will be monitored continuously .

Leave a Reply

Your email address will not be published. Required fields are marked *