Auto Insurance

Click, consent, verify mileage.

Retrieve telemetry from your customers’ cars instantly, accurately, and cost-effectively.

Just Auto Insurance logo
Paydrive logo

Instantly onboard customers

Embed Smartcar Connect into your web portal or mobile app to collect user consent in just a few clicks. Your customers can review permissions before opting in.

Retrieve accurate car data

Smartcar communicates directly with the cellular modem built into 2015 and newer vehicles. Our technology is compatible with 20 car brands in the United States and beyond.

Increase customer retention

Thanks to simple user experiences, reasonably priced policies, and no more mileage self-reporting, your customers will be more satisfied with your product and less likely to churn.

Better telematics data

Underreported mileage

Over 50% of drivers underreport their mileage to insurers every year. Our Scheduled Webhooks let you automatically verify a customer’s odometer reading at regular intervals.

Garaging misrepresentation

Verify your customer’s parking location to uncover garaging defects and hidden premium losses.

Invalid VINs

Confirm the VIN, make, model, and year of production that your customer provided at the point of sale.

Your savings with Smartcar

Calculate how much your personal auto insurance business can save using Smartcar.

Number of policies

Smartcar-compatible vehicles*

21%

Annual policy price

$1,500

Premium leakage from mileage

2.6%

Premium leakage from garaging

1.4%

Premium leakage from VIN

1%


Your annual savings with Smartcar

$15,750,000

Number of policies x 21% x $1,500 x (2.6% + 1.4% + 1%)

Get a quote

* Today, 60 million vehicles in the U.S. are compatible with Smartcar. Your annual savings will grow quickly over time, as 116 million vehicles will be Smartcar-compatible by 2025.

Build modern digital insurance products

Pay-per-mile policies

Pay-per-mile policies

Use odometer readings to charge your customers by the mile.

Determine which customers drive after dark to improve your usage-based insurance products.

Let parents keep track of how much and where their teens are driving.

Allow your customers to lock and unlock their vehicle directly from your app.

Give customers valuable insights into when and how much they drive—all directly within your app.

What our customers say

https://d33wubrfki0l68.cloudfront.net/e1105a929b6d1623e36ebbc8da66752c02112893/5f2b9/static/9a25620c4b85335928d4e34078444a8d/just.svg

“Using Smartcar’s APIs, we can provide new and innovative ways to make auto insurance fairer and more affordable for everyone.”

Murray Macdonald

Murray Macdonald

CTO, COO, & Co-Founder at Just Auto Insurance

Download our white paper

Learn how insurers eliminate premium leakage with the Smartcar platform

Find out how our technology caters to your organization