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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.

That doesn’t prevent the mid-tier from undergoing the difficult task of fashioning their own user-based insurance program, it just means they can’t begin to offer discounts for the safe drivers who fall into the metrics insurers believe constitute safe driving—fewer hard-braking incidents, driving within the speed limit, avoiding acceleration, and more. And woe be the insurance carrier that believes they can get around Progressive’s licensing program.

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