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Progressive Insurance has received a fourth patent for system technologies used with its optional Pay As You Drive insurance program, a usage-based form of car insurance. The patent relates to producing a driver safety score based on monitored driving data.

Progressive’s usage-based insurance (UBI) program, Snapshot creates a personalized car insurance discount based on the customer’s driving habits. Drivers who sign up for Snapshot receive a small device that plugs into the on-board diagnostic port of cars. The device records data from the vehicle and sends it to Progressive, which uses that data to calculate potential discounts.

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