(Roger Burkhardt is president and CEO of EagleEye Analytics)

It can seem as if the auto insurance industry has shifted into overdrive, as large insurance companies like Progressive, State Farm, and Allstate are aggressively promoting their telematics programs and associated discounts to attract the best risks. Many of these large carriers have been developing their telematics—or pay-as-you-drive programs—for years.   

For mid-sized carriers, competition to gain new customers—and more importantly, retain existing customers—in the personal auto insurance market is heating up at an unprecedented pace.  While some mid-sized carriers may feel the pressure to implement telematics initiatives of their own just to keep up, many others are taking advantage of new technology and creative solutions to combat adverse selection without actually putting telematics devices in the customers' cars.

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