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Telematics data on how and how often a vehicle is tested shows that riskier drivers are underpriced when buying car insurance . Usage - based insurance ( UBI ) company Progressive Insurance said that telematics data has improved the accuracy of its risk rating of motorists compared to traditional methods . But UBI data is usually only collected after an onboard diagnostics sensor or app is installed , a timely process which can be a trade - off to customers . Instead , many insurers are looking to collect quantitative data - such as location - based data on a smartphone - in order to offer quotes without needing to fit an in - car device .