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In the world of technology, time is like dog years. What happened a year ago seems more like seven years ago when we look at how quickly the world is changing. There is a major exception to this rule, though, particularly for mid-tier insurers. Over the next two months, many mid-tier carriers will be wrapping up negotiations with one of the giants of the industry, Progressive Insurance, on a licensing program that effectively will keep those smaller insurers out of the telematics market for two solid years: April 2015.

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