Massachusetts-based Electric Insurance piloted a fully mobile-based UBI program, using technology from Cambridge Mobile Telematics (CMT), in Ohio last year. The successful pilot is leading the company to expand availability to four more states on March 1: Texas, Georgia, Connecticut, and Wisconsin.

“We’ve been tracking and monitoring [UBI] pretty closely for a number of years, and the availability and accuracy of the smartphone data made it possible for us to be part of the space,” says Mike Mucher, VP of sales and marketing for Electric.

Mucher says that in its Ohio pilot, Electric was focused on getting feedback on the user experience, reviewing all the touchpoints that it had with customers to see what worked and what didn’t.

“Our product team strategically felt it was important to see how our customers reacted to it as a feedback device, in terms of attempting to make their lives safer,” he explains. “Partnering with a team like CMT, we have smart people looking at the tech and thinking about how to help customers solve a problem.”

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