Through its Snapshot product, Progressive prices auto insurance based on a person’s actual driving habits and behavior and in March announced that riskier drivers soon could face rate increases. Previously the insurer had offered discounts to drivers that enrolled in the Snapshot usage-based insurance program after a trial period and had not raised rates based on individual driving behaviors.

“We have to raise rates a little bit for the riskiest drivers,” explains Dave Pratt, managing director of usage based insurance for Progressive. “This enables us to give double-digit discounts to a lot more people, but to offset that, we have to have higher rates for the worst drivers.”

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