Comparative Effectiveness of Financial Incentives and Nudges to Reduce Cellphone Use While Driving Among UBI Auto Policy Holders

Comparative Effectiveness of Financial Incentives and Smartphone-based Nudges to Reduce Cellphone Use While Driving Among Auto Insurance Policy Holders With Usage Based Insurance Policies

The investigators are proposing an experiment to help a national auto insurance company test behavioral economic strategies to reduce the amount of time policy holders actively use their cell phone while driving. Interventions include financial incentives, social comparison, and nudges, and survey data will also be collected. Data collected from this internal trial will be shared with the Penn research team and analyzed

Inclusion Criteria:

• Progressive Snapshot Users with policy activated within recruitment period
• Progressive Snapshot policy holder in one of the following states and regions: MI, PA, TX, FL, TN, OR, GA, NE, OK, OH, MT, MO, NV, CT, WI, MD, KY, MN, NH, NJ, AZ, ME, LA, SC, CO, MS, IN, IA, AL, ND, UT, RI, WV, WY, IL, AR, DE, KS, SD, NM, VT, ID, and the District of Columbia
• Has an email address

Exclusion Criteria:

• Progressive Snapshot Mobile App not updated to enable push notifications
• Customer's residential address is in a state in which phone use while driving is factored into insurance rating
• Customer's Snapshot Mobile App does not collect trip data with all sensors active
• Customer in Snapshot program for < 30 days or more > 70 days