Auto insurance companies would really like to know how well you drive on a daily basis. Usage-based insurance (UBI) products let them monitor your driving in exchange for offering you potentially lower rates. The tracking devices typically used for UBI policies tell them when you go out, how far you drive, how much and how hard you brake, and how rapidly you accelerate. If you agree to use such devices, you could be eligible for discounts of up to 30 percent on your car insurance rates. Currently, about 1 percent of drivers benefit from some form of UBI, says Bob Mathe, president of Evogi, which designs and engineers telematics solutions for insurers. In five years, that number could be as high as 20 percent, predicts Mathe. By 2020, it could be as high as 30 percent. In fact, insurers that have just begun thinking about telematics-based pricing are way behind, says Mark Hill, senior manager of Deloitte Consulting. Not only are they behind, but they also run the risk of losing their customers to early adopters that are rewarding their policyholders for safe driving, says, Stephen Packard, director of Deloitte Consulting.