Esurance has expanded its usage-based insurance (UBI) program and now offers both UBI and traditional auto insurance in Arkansas. Esurance is backed by Allstate, the largest publicly held personal lines insurer in the United States.

Esurance offers an immediate 5-percent discount on the initial six-month policy term with the installation of a telematic device in the onboard diagnostic port (OBD). Future discounts of 30 percent are available based on mileage, driving speed, vehicle braking, time of day, and type of roads one frequents, such as urban, rural and highway. The company offers additional discounts for new customers, those who also buy homeowners coverage, pay in full, and maintain good grades.

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