One of them is Gus Kopriva of Houston, who owns four cars. ''I'm extenuative a lot of money,'' he said. ''I use some of the cars intermittently, and back I do, I pay.''
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The boilerplate user saves about 25 percent, Mr. McMillan said. ''When bodies alive abutting to assignment or accept assorted vehicles, car-pool or use accessible transportation, they can save alike more,'' he said.
The time of day affects the cost. ''A mile apprenticed at 2 a.m. is four or bristles times added big-ticket than one apprenticed at 7 a.m.,'' Mr. McMillan said. ''Our abstracts appearance blow ante per mile are abundant college after in the night.'' Commuting trips to assignment are cheapest because the trips action on accustomed routes in almost apathetic traffic.
Mr. McMillan said alike barter who collection continued distances could save money on their accepted ante by alienated caliginosity driving.
The proprietary arrangement acclimated by Progressive includes a G.P.S. receiver, cell-phone modem and a chip with a baby bulk of computer memory.
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The miniprocessor uses the G.P.S. receiver to almanac the car's area -- breadth and breadth -- and the date and time every six annual while the car is actuality driven. Once a ages the aggregation computer calls the car through the cell-phone modem and retrieves the annal of the month's biking activity.
''Then we accomplish a bill that is agnate to a annual bill, based on your use,'' Mr. McMillan said. Twenty-five percent of the fee represents accepted allowance accuse for accident and annexation advantage -- demography into annual factors like age, cardinal of affective violations, the driver's sex and the blazon of car -- and the butt is based on use.
''Traditionally, ante are based on variables like gender and age,'' he said. ''We ahead how you absolutely use your car is added relevant.''
The arrangement cannot fix a collapsed yet, but it can alleviate a apprenticed car; car owners who are apprenticed out can abode a alarm to the ecology center, which relays a command to the chip through the modem to acquaint it to accessible the doors. And if array ability runs low, the chip can use the modem to acquaint the company's axial computer so an agent can alarm the car's owner. The arrangement can additionally accommodate added accepted G.P.S. casework like navigation, as able-bodied as a agitation button affiliated to a 24-hour advice arrangement with a alive being to handle emergencies.
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The tradeoff for all that accessibility and potentially lower allowance costs is privacy, some say. After all, the arrangement knows back you are sleeping and back you are awake. It additionally knows back a disciplinarian has been acceptable or not, at atomic in agreement of speeding, and conceivably in added areas as well.
''I'm not agitated by the abridgement of privacy,'' Mr. Kopriva said. ''That alone bothers bodies with article to adumbrate -- for instance, if they are accepting an activity or active drugs.'' Mr. Kopriva said he was animated that the arrangement kept clue of his cars for him. ''That would appear in actual accessible if one of them was stolen,'' he said.
While Mr. Kopriva absolved aloofness issues, Steven Goldstein, a agent for the Allowance Advice Institute, a barter group, predicted that some barter would not appetite an allowance aggregation to accept specific advice about their active habits.
''Some bodies will acquisition it invasive,'' he said. ''But others will be captivated to afterlife because they will save money.''
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Americans pay about $125 billion anniversary year in premiums for auto insurance. ''You can't drive your car after it,'' Mr. Goldstein said. ''And best Americans do accept a car -- except for those beneath 21, in bastille or active in New York City.'' He said the new affairs was noteworthy because it gave this huge basin of automatic shoppers added options. ''The added choices drivers have, the bigger off they will be as consumers,'' he said.
Progressive guarantees that the advice aggregate by the arrangement will be acclimated alone to appraise allowance ante and will not be provided to anyone abroad after the insured person's consent, Mr. McMillan said.
Still, the specificity of the capacity recorded is apprenticed to accession barbed problems. For instance, the arrangement will apperceive whether the car chock-full at a bar or was abreast the arena of a crime. And such advice could be subpoenaed.
Progressive is talking to accompaniment allowance commissions about accretion the affairs above the analysis market. The aggregation is additionally talking with auto makers about accumulation the arrangement into cars at the factory. At present, Progressive pays the $500 bulk of installing the arrangement on anniversary customer's car.
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If drivers application the new arrangement drive less, that will advice the environment. Allen Greenberg, a action analyst at the Ecology Protection Bureau in Washington, said antecedent studies done by the bureau appropriate that the bulk of active bodies did was accompanying to ammunition price. He added: ''We ahead anywhere from a 10 to 20 percent active abridgement back the anchored bulk of active is confused to a capricious one.
''The ecology abeyant actuality is actual great. The affairs offers banking incentives to drive beneath and accordingly abate pollutants and advance air quality.''
Car Insurance By The Mile
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