--- title: Usage-Based Car Insurance description: Clayton Hanley offers St. Louis drivers insurance who drive very few miles or have impeccably safe driving records. Save money with UBI from Clayton Hanley. --- # USAGE-BASED CAR INSURANCE from Clayton Hanley Insurance We represent quality insurance carriers like these, so we'll provide you with multiple usage-based car insurance rates to find the right policy for you. [Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies) ## Start Your Quote (A form appears here on the HTML version of this page.) ## Save Money on Auto Insurance Based on Your Driving Habits Did you know you might be able to save money on your auto insurance policy based on meeting certain driving metrics? Usage-based insurance is something you should explore with your insurance agent if you are a very safe driver or if you don’t drive very much. Usage-based insurance is a relatively new concept. It sometimes goes by the names: - UBI - Pay how you drive - Pay as you drive - Pay per mile - Pay as you go The idea is that if you are either a careful driver or drive very few miles, your risk of getting in an accident decreases. Therefore, you shouldn’t have to pay as much for auto insurance. With many people telecommuting or attending school remotely these days, this is a smart option for our clients in St. Louis, Missouri. And of course, if you are an excellent driver, we like to reward you for your good habits. ### Usage-Based Insurance Collects Data for Auto Insurance Discounts For you to qualify for usage-based insurance, your insurance company needs some basic data about your driving history and routines. If a discount is being applied for low mileage, you may be asked to install a device to record your odometer. Or you may be requested to photograph your odometer periodically and send the images to your agent or upload them to an insurance app on your mobile device. Likewise, for safe driving, dashboard devices or GPS might record your driving speed, braking patterns, turning technique, routes driven, or time of day driving. This is known as telematics in the industry. Typically, a baseline set of data is used to establish a rate for your insurance premium. As long as you don’t deviate from your safe driving habits or low mileage, you get a significant discount on the cost of your insurance. ### UBI Offers Many Benefits to You and Others There are multiple advantages beyond cost savings to you, the insurance industry, and other insured parties when you use usage-based insurance: - Motorists tend to be more mindful of their driving, knowing their insurance premiums are dependent on their performance. - Insurance companies can better segment risk within their customer base. - Drivers generally have more insurance options at their disposal. - Safe drivers, especially younger ones, aren’t paying for their peers’ bad driving, and vice versa, poor drivers bear the brunt of insurance costs in a shared pool scenario. - Parents can see how their teen drivers are doing behind the wheel and review safe driving tips if necessary. If you think you might qualify for usage-based insurance, we’d be happy to talk more with you about your choices. Give us a call at Clayton Hanley Insurance 314-487-2921 or reach out online, and our independent agents will give you all the information you need. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/auto-insurance/usage-based-car-insurance/quote) ## Insurance Partners [Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies) ## 5-Star Ratings "Wouldn't trust anyone else" "Best insurance brokers in St. Louis" "10/10 recommend!" [Read More](/reviews-testimonials) ## Connect Online - [Facebook](https://www.facebook.com/claytonhanleyinsurance) - [X/Twitter](https://twitter.com/claytonhanley) - [LinkedIn](https://www.linkedin.com/company/clayton-hanley-insurance-service-inc-/) - [YouTube](https://www.youtube.com/channel/UCyYNrSTQbAXoeYvALzG5Uiw) - [Instagram](https://www.instagram.com/claytonhanleyins/) - [Yelp](https://www.yelp.com/biz/clayton-hanley-insurance-saint-louis) ## Answers to Questions We Hear Every Day Do insurance rates differ between insurance agents? Independent agents receive the rates for similar policies. Where you will find the difference is in the policy **coverage** and **discounts** being applied. The team at Clayton Hanley is **committed to finding every possible discount available** and informing you of coverage that you might not know are available. We feel it is important to **insure our customers like they are family** , not simply find the lowest rate to gain your business. How do I add my teen to my auto insurance policy? In Missouri, you should add your teenager to your auto insurance policy **as soon as they obtain their driver's license** (Some states may require you to add them to your policy when they obtain a learner’s permit). If they have a learner’s permit, it's a good idea to inform your insurance company, as some policies may already provide coverage for permitted drivers under the parent's insurance. Be sure to [let us know](/contact) when your child starts learning to drive and we'll go over the insurance implications with you and let you know what you need to do and when. How can I check to see if I'm getting all available discounts on my car insurance? [Ask us](/quotes)! We love finding every last discount possible to **save you money on your insurance**. Is my college student covered by my insurance? Your college student might still be covered by your home insurance policy if they are **living in on-campus housing** and are **listed as dependents on your policy**. This generally extends personal property and liability coverage to them while they are away at school. Coverage limits might be lower for belongings kept at a secondary location like a dorm However, if they are **living off-campus** , you might need to get a **separate renters insurance policy** for them. If they take their car to another state for college, they are typically still covered by your auto insurance policy. Most auto insurance policies offer nationwide coverage, which means the policy extends to all states. If you have a child currently attending college or headed off to their first year in the fall, [let us know](/contact) and we'll go over how your policy applies and what additional coverage you should consider. Does my car insurance cover me driving a rental car on vacation? Rentals are covered like it is your own car. Rental companies offer additional coverage, which would help pay for deductibles and downtime on the car in the event there is a claim. That portion would not be covered by your car insurance. Enjoy your trip! I use my own car to deliver food. Does my personal car insurance cover me and my car? **RideSharing Coverage** is for drivers who work for a hailing company such as Uber, Lyft or DoorDash, etc and drive their personal vehicles. Ride Hailing company is also known as Transportation Network Corporation (TNC). RideSharing coverage can be added to your personal auto insurance policy. **Don't see your question? [Call us or send an email](/contact)!** ## USAGE-BASED CAR INSURANCE in St. Louis, Missouri Clayton Hanley Insurance is a local independent insurance agency serving individuals, families, and businesses in St. Louis, Missouri. Because we partner with quality insurance carriers, we're able to offer a range of **usage-based car insurance rates in St. Louis.** Contact us today to discuss your insurance needs. [Call or Email](/contact) [Request Quote](/auto-insurance/usage-based-car-insurance/quote) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Do insurance rates differ between insurance agents?","acceptedAnswer":{"@type":"Answer","text":"Independent agents receive the rates for similar policies. Where you will find the difference is in the policy coverage and discounts being applied.  — The team at Clayton Hanley is committed to finding every possible discount available and informing you of coverage that you might not know are available. 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