They look at how you drive. How far you drive, how often you drive, when you drive, how quickly you brake/accelerate, how often you're on your phone, etc. Based

They look at how you drive. How far you drive, how often you drive, when you drive, how quickly you brake/accelerate, how often you're on your phone, etc. Based on all those factors - they give you a discount relative to what they'd charge normally. I can say that's true because their rate was already less than competitors, so it's not like they were charging a higher rate and then 'discounting' back to normal.