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User-based car insurance remains a relatively niche market. User-based car insurance remains a relatively niche market. (Shutterstock)

You would think usage-based auto insurance would have really taken off by now, especially given the way most people routinely record just about everything else they do in life, either automatically with wearables or reflexively on social media. Yet drivers having their performance monitored in real time to determine the price of coverage remain the exception rather than the rule.

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