---
title: User Based Insurance
description: Save money on auto insurance with the new User Based Insurance
---

# USER BASED INSURANCE

* * *

33 days left on our driving apps and each one of us is going to save $$$ on our auto insurance.

57 days of driving so far and this is how we stand.

Peggy - $110 savings driven 2226 miles w/21 mile commute

Kristal - $106 savings driven 426 miles w/ home office

Nicki - $80 savings driven 1590 miles w/3 miles commute

Tim - $65 savings driven 2019 miles with 8 mile commute

Tony - $60 savings driven 1138 miles w/home office

As you can see, doesn't matter your situation the User Based Insurance apps can help ease your insurance premiums. All of our companies offer a driving app to help you save money$$$$$. Text or email or call our office for more info if interested.

### Hint - this REALLY helps with teen drivers

[#TeenDriver](https://www.facebook.com/hashtag/teendriver?source=feed_text&epa=HASHTAG& __xts__ %5B0%5D=68.ARCVez3D1qoekVZoyHlsGEnQcwIP8veWMLor3YgjpGWdAO9PNoxphuRsonnLQV5uoApvaaq2N3-hDF2dfUGlLsDI0mPg3VrKbCNc0BvGBUmfgCU9lcHhsTB84 __R_NrKvYNzypLJBFswrhWEpkEpAqysmeCfJmvrAGkd6_KGMnYTrI8E_PAcnq8izwrRHl6hTc-_2DKd6-huRYwGcNI9dfq7QRbuzBTAARR5dUVEfhRu4LFTOK121jX_kVnM4Pny5z95_UKuxFUFclzdduFMHnjsfTiHU_PlCAKheB61a2ezXJHbx8lY0X0dzMYfpQ&__ tn__=%2ANK-R-R) [#CheaperCarInsurance](https://www.facebook.com/hashtag/cheapercarinsurance?source=feed_text&epa=HASHTAG&__xts __%5B0%5D=68.ARCVez3D1qoekVZoyHlsGEnQcwIP8veWMLor3YgjpGWdAO9PNoxphuRsonnLQV5uoApvaaq2N3-hDF2dfUGlLsDI0mPg3VrKbCNc0BvGBUmfgCU9lcHhsTB84__ R_NrKvYNzypLJBFswrhWEpkEpAqysmeCfJmvrAGkd6_KGMnYTrI8E_PAcnq8izwrRHl6hTc-_2DKd6-huRYwGcNI9dfq7QRbuzBTAARR5dUVEfhRu4LFTOK121jX_kVnM4Pny5z95_UKuxFUFclzdduFMHnjsfTiHU_PlCAKheB61a2ezXJHbx8lY0X0dzMYfpQ& __tn__ =%2ANK-R-R) [#LowerInsurancePremiums](https://www.facebook.com/hashtag/lowerinsurancepremiums?source=feed_text&epa=HASHTAG& __xts__ %5B0%5D=68.ARCVez3D1qoekVZoyHlsGEnQcwIP8veWMLor3YgjpGWdAO9PNoxphuRsonnLQV5uoApvaaq2N3-hDF2dfUGlLsDI0mPg3VrKbCNc0BvGBUmfgCU9lcHhsTB84 __R_NrKvYNzypLJBFswrhWEpkEpAqysmeCfJmvrAGkd6_KGMnYTrI8E_PAcnq8izwrRHl6hTc-_2DKd6-huRYwGcNI9dfq7QRbuzBTAARR5dUVEfhRu4LFTOK121jX_kVnM4Pny5z95_UKuxFUFclzdduFMHnjsfTiHU_PlCAKheB61a2ezXJHbx8lY0X0dzMYfpQ&__ tn__=%2ANK-R-R) [#SignMeUp](https://www.facebook.com/hashtag/signmeup?source=feed_text&epa=HASHTAG&__xts __%5B0%5D=68.ARCVez3D1qoekVZoyHlsGEnQcwIP8veWMLor3YgjpGWdAO9PNoxphuRsonnLQV5uoApvaaq2N3-hDF2dfUGlLsDI0mPg3VrKbCNc0BvGBUmfgCU9lcHhsTB84__ R_NrKvYNzypLJBFswrhWEpkEpAqysmeCfJmvrAGkd6_KGMnYTrI8E_PAcnq8izwrRHl6hTc-_2DKd6-huRYwGcNI9dfq7QRbuzBTAARR5dUVEfhRu4LFTOK121jX_kVnM4Pny5z95_UKuxFUFclzdduFMHnjsfTiHU_PlCAKheB61a2ezXJHbx8lY0X0dzMYfpQ& __tn__ =%2ANK-R-R) [#PeggyRocks](https://www.facebook.com/hashtag/peggyrocks?source=feed_text&epa=HASHTAG& __xts__ %5B0%5D=68.ARCVez3D1qoekVZoyHlsGEnQcwIP8veWMLor3YgjpGWdAO9PNoxphuRsonnLQV5uoApvaaq2N3-hDF2dfUGlLsDI0mPg3VrKbCNc0BvGBUmfgCU9lcHhsTB84 __R_NrKvYNzypLJBFswrhWEpkEpAqysmeCfJmvrAGkd6_KGMnYTrI8E_PAcnq8izwrRHl6hTc-_2DKd6-huRYwGcNI9dfq7QRbuzBTAARR5dUVEfhRu4LFTOK121jX_kVnM4Pny5z95_UKuxFUFclzdduFMHnjsfTiHU_PlCAKheB61a2ezXJHbx8lY0X0dzMYfpQ&__ tn__=%2ANK-R-R)

### [#TheInsuranceLadyIsWinning](https://www.facebook.com/hashtag/theinsuranceladyiswinning?source=feed_text&epa=HASHTAG& __xts__ %5B0%5D=68.ARCVez3D1qoekVZoyHlsGEnQcwIP8veWMLor3YgjpGWdAO9PNoxphuRsonnLQV5uoApvaaq2N3-hDF2dfUGlLsDI0mPg3VrKbCNc0BvGBUmfgCU9lcHhsTB84 __R_NrKvYNzypLJBFswrhWEpkEpAqysmeCfJmvrAGkd6_KGMnYTrI8E_PAcnq8izwrRHl6hTc-_2DKd6-huRYwGcNI9dfq7QRbuzBTAARR5dUVEfhRu4LFTOK121jX_kVnM4Pny5z95_UKuxFUFclzdduFMHnjsfTiHU_PlCAKheB61a2ezXJHbx8lY0X0dzMYfpQ&__ tn__=%2ANK-R-R)

## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/quotes)

## 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)

## Insurance Partners

[Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies)

## Service Request

To submit a service request, contact us with the specific details.

[Request a Change](/service-request)

## Share This

- [Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.claytonhanley.com%2Fblog%2F2019%2Fuser-based-insurance.md)
- [Twitter](https://twitter.com/share?url=https%3A%2F%2Fwww.claytonhanley.com%2Fblog%2F2019%2Fuser-based-insurance.md&text=User+Based+Insurance)
- [LinkedIn](https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.claytonhanley.com%2Fblog%2F2019%2Fuser-based-insurance.md&title=User+Based+Insurance)
- [Email](mailto:?subject=User+Based+Insurance&body=Thought+you+might+be+interested...%0A%0AUser+Based+Insurance%0Ahttps%3A%2F%2Fwww.claytonhanley.com%2Fblog%2F2019%2Fuser-based-insurance.md)

![Clayton Hanley Insurance Team in St. Louis MO](https://webtricity-assets-2.wbtcdn.com/77d43163-dc95-4cce-ba2f-f3e83798fd19/images/upload/group-sitting-angie-small-1-1170x780.cbbbdab6e36692656f0b7edc5794032145c2f5b1e2dcb8406b1a743458402543.jpg)

## Agents You Can Trust

Clayton Hanley Insurance is a local independent insurance agency serving the individuals, families and businesses of St. Louis, Missouri.

Representing only quality insurance carriers, they offer a variety of coverage options to meet any situation.

Get in touch today to talk to an agent about your insurance choices.

[Call or Email](/contact)

[Request Quote](/quotes)

```json
{"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.claytonhanley.com/blog/2019/user-based-insurance#blogposting","url":"https://www.claytonhanley.com/blog/2019/user-based-insurance","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.claytonhanley.com/blog/2019/user-based-insurance#webpage"},"headline":"User Based Insurance","datePublished":"2019-11-20T15:50:00Z","dateModified":"2025-04-07T14:33:48Z","description":"Save money on auto insurance with the new User Based Insurance","author":{"@type":"Organization","@id":"https://www.claytonhanley.com/#organization","name":"Clayton Hanley Insurance"},"publisher":{"@type":"Organization","@id":"https://www.claytonhanley.com/#organization","name":"Clayton Hanley Insurance"}},{"@type":"Organization","@id":"https://www.claytonhanley.com/#organization","url":"https://www.claytonhanley.com/","name":"Clayton Hanley Insurance"},{"@type":"WebPage","@id":"https://www.claytonhanley.com/#webpage","url":"https://www.claytonhanley.com/","name":"User Based Insurance","description":"Save money on auto insurance with the new User Based Insurance"},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/blog","name":"Blog"}},{"@type":"ListItem","position":2,"item":{"@id":"/blog/2019/user-based-insurance","name":"User Based Insurance"}}]}]}
```
