Contrary to traditional car insurance, where insurers speculate your driving skills depending on the various risk factors and your accident history list, the usage-based car insurance provider gives you car insurance by actually looking into the process. In these types of car insurance, like Allstate’s Driving or Progressive Snapshots, you get a television device that you want to plug in your car. This device records how you drive and your driving behavior, especially your worse driving habits such as a quick or difficult break.
Therefore, if the device records that you are a less risky driver, you can save yourself with usage-based car insurance. However, if it records that you drive late into the night or you drive faster, it will help you save with your commercial car insurance.