Insurers find new ways do you

ST. PAUL, Minn. - Every day, Gordon Adam, as readers of St. Paul’s homeland to her daughter or her school of Bloomington, Minn., work, a small camera on the dashboard of his Acura Integra all traces.

The gadget, like a little game of cards, records when, how and how far it quickly leads. His wife, Meghan, was the same in their car. If the reader Gordon single level without incident, they can go up to 20 percent of their insurance Progressive automatically with the group. You pay $ 676 every six months to ensure two cars to 6 years, $ 799.

“It works,” Gordon Adam, 42, said. “We have identified 15 to a discount of 20 per cent of what we were before payment, and this is not negligible.”

The program is a means automatically insurers across the country change, as well as prizes. The use of databases and sophisticated statistical formulas Slice and Dice consumers thousands of categories, insurers assess risk, adjust prices and discounts individually to different groups of low-risk customers. The result is however: If you are a good driver, can not be rewarded for the reduction of insurance premiums, if you can pay more.

Progressive’s Trip Sense program aims to encourage good drivers relatively low annual mileage. Gordon Adam, for example, orders or less 10000 miles per year. Progressive says its research shows a strong correlation between low mileage and low accident rate, which is why he tested Sense trip in Minnesota, after two years.

Gordon said that the idea that a camera monitor does not turn him.

“No one’s out, what I do. It is not GPS [Global Positioning System],” said Gordon. “They keep the data relatively harmless. I think that collect data, it is upon me at the end of the day, help me.

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