At Top Auto Insurance, we believe in providing flexible and personalized coverage to fit the unique needs of each driver. That’s why we offer Usage-Based Insurance (UBI)—a revolutionary approach to auto insurance that tailors your premium based on how, when, and how much you drive. With UBI, you pay for insurance based on your actual driving behavior, potentially lowering your costs if you’re a safe and low-mileage driver.

Usage-Based Insurance (UBI) is an innovative form of auto insurance that adjusts your premiums based on your driving habits. By monitoring data such as how far you drive, how often you drive, and your driving behavior (like speed, braking, and acceleration), UBI provides a more personalized rate that reflects your individual risk profile.

Our Services Includes:

Pay for What You Use:   With UBI, you’re charged according to the miles you drive and how safely you drive, meaning you don’t have to pay for coverage you don’t need. This makes it a great option for low-mileage drivers or those who drive cautiously.

Potential for Lower Premiums:   If you're a safe driver who follows speed limits and avoids hard braking, UBI can reward you with discounts based on your good driving habits. It's a great way to save money on auto insurance, especially if you maintain a clean driving record.

Transparency and Control:   UBI gives you greater insight into how your driving habits impact your premium. The data collected allows you to make changes to your driving habits if you’re looking to save more, giving you more control over your insurance costs.

Ideal for Occasional or Low-Mileage Drivers:   If you don’t drive often or your commute is minimal, UBI could be the perfect solution to avoid paying high premiums for coverage you don’t need. UBI is particularly beneficial for those who use their car less frequently, such as retirees, students, or those working from home.