In Illinois and Utah, State Farm uses a wireless system that captures even more data, including mileage, acceleration, braking, speed of turns, time of day the car is driven, and speeding over 80 miles per hour. The device also tracks location of cars to make sure customers are garaging cars in the area listed on their applications.
State Farm says it doesn’t receive driver’s exact coordinates, only enough data to place drivers within 40 square miles. Theoretically, drivers can qualify for up to 50 percent discount, but 10 percent is average, a spokesman said.
In New Hampshire, Kristine Bell, an agent at Portsmouth Atlantic Insurance in Portsmouth, said a few dozen customers at her company have signed up for Progressive's monitoring device, but the program hasn’t been widely accepted yet.
Still, Bell said she decided to try the device herself four months ago because, as a driver in her 20s, she faced higher auto rates. So far, Bell said she’s earned a 9 percent discount, largely because she doesn’t drive much.
“I figured it was worth a shot,” said Bell. “Something is better than nothing.”