Personal auto insurance is already the most commoditized line of property & casualty insurance and is likely to becoming the most exact of the lines in terms of underwriting as insurers spread the movement known as usage-based insurance.

The number of insurers is continuing to grow, according to Robin Harbage, director, Towers Watson, and co-author of a report on the subject, "The Brink of a Revolution.

"We are seeing the U.S. market become almost a hotbed [for usage-based insurance]," he said.

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