Reinvention is everywhere.  I found this article – Progressive Uses New Driver-Focused Technology To Determine Insurance Rates – by Malia Wollan from Fast Company particularly compelling (privacy concerns aside).  It profiles Progressive CEO, Glenn Renwick, and the company’s new Snapshot tool, which monitors miles driven, as well as braking, acceleration and speed over a six-month period in an effort to price based on individual behavior than general population statistics.  I have included a video discussing Snapshot below:

The article notes that Allstate offers a device called Drive Wise.