Editor's note: This article first appeared onCarInsurance.com and is reprinted here with their permission.Click here for the original post.

Most of the top auto insurance companies have rolled outpay-as-you-drive policies in at least one state, and industryleaders expect the programs to refashion the car insurance market over the next severalyears.

But a good portion of consumers aren't ready to hop on boarddespite the promise of car insurancediscounts, and many aren't sure exactly how the programs work,according to a CarInsurance.com survey.

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