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Over the last few years, with consumers growing more worried about the cost of auto insurance coverage rising, some Americans have looked for ways to reduce those bills. As a consequence, many have turned to usage-based insurance, and possibly improved their driving habits and cut their rates at the same time. With so many starting to favor this type of coverage, demonstrating the benefits might be a very good idea for insurance agents across the country.

Today, close to 80 percent of people say that usage-based auto insurance is more fair than old ways of setting rates, according to a survey from the auto insurance giant Progressive. In fact, 84 percent believe that people with a history of bad driving habits should have to pay more for their coverage.

""We're committed to helping people be safer and smarter drivers, and a big piece of that is educating consumers on how the behavior of other drivers impacts their wallets,"" said Dave Pratt, general manager of usage-based insurance for Progressive. ""Consumer awareness of the benefits of UBI continues to grow, and we're encouraged as we see new drivers, including young drivers, seek a more personalized rate that allows us to award safe drivers with discounts they deserve.""

Willingness to adopt is high
Meanwhile, 9 out of every 10 drivers between the ages of 18 and 34 say they're willing to try using such coverage, which may highlight how fertile the market for it could be going forward, the report said. That's because more than half of respondents say they didn't know that their insurance premiums are based in part on other people's driving habits, and - perhaps understandably - 85 percent say they'd be upset if that were the case for their own policies.

The more agents can do to boost their clients' understanding of their coverage, and what they might be able to do to bring prices down when they want to, the better off all involved are likely to be. For consumers, there's likely to be more satisfaction with their plans, as they drive safe in the knowledge that to some extent, they control their own destiny in this regard. Meanwhile, agents are likely to see higher rates of client retention as a result of the improved relationships. For these reasons, highlighting the benefits of finding the best coverage plans that work for any individual is likely to go a long way.

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