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Telematics, which allows insurers to track customers and charge lower rates to the safest drivers, has become more important to Allstate. (AP Photo/LM Otero, file)

(Bloomberg) – Allstate Corp., the largest publicly traded U.S. home and auto insurer, said the country’s transportation network is highly inefficient, with vehicles sitting idle for most of the day, and that the company is betting on inevitable changes to the system.

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