U.S. Consumers are more motivated by a smartphone app that scores their driving than they are by premium discounts when considering enrolling in a usage-based insurance (UBI) program, according to the 2015 LexisNexis Usage-Based Insurance Study. The study also found that UBI programs based on safety offer the potential to boost adoption, while also engaging consumers, mitigating risk and improving retention. “Historically in the U.S., usage-based insurance has been defined as a program to reward good driving behavior with discounted insurance premiums...