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There are basically three types of prospects for telematics-driven, usage-based auto insurance programs, depending on how comfortable they are with carriers monitoring their driving performance in return for a potential premium discount.

Indeed, a survey earlier this year by Deloitte exploring consumer use of mobile devices in financial services identified a trio of segments among the 2,193 respondents, with the research pool representing a wide variety of demographic groups in terms of age and income, and split evenly on gender:

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