Usage-based insurance, which bases discounts on your own personal driving habits, instead of on how people like you may drive.  This is already widely adopted in Europe and is on its way to becoming the new norm in the United States.

At Progressive, the driving habits that count toward your discount are the ones that lower your accident risk, like:

• Minimizing your daily mileage
• Avoiding slamming on the brakes
• Staying off the roads between midnight and 4 a.m.

This kind of driving might come naturally to you. In fact, more than 70 million U.S. drivers already practice all three habits, according to a survey conducted by Harris Interactive.

The other thing to consider with usage-based insurance is how much exactly you might save and whether it’s worth switching your insurance