Insurance User Based Insurance (UBI) users will be invited to participate in a randomized control trial where they will be randomized into 1 of 4 arms: (Arm 1) standard UBI, (Arm 2) Standard UBI + Free phone mounts (Arm 3) Commitment + Habit Tips, (Arm 4) Gamification + Social Competition,(Arm 5) Contest Financial Incentives. Each successive arm will experience all of the elements that the lower-numbered arms will.

Insurance company will invite User Based Insurance app users with more than 2 minutes per hours of handheld phone use in their first month of the insurance program to participate in a study to help them reduce their phone use while driving. Email invitations will include max insurance discount amount for the safest drivers in the customer's demographic group receive for not using their phone while in the User based insurance app. Participants that enroll into the study will be randomized to 1 of 4 arms: (Arm 1) standard UBI where they will continue to be monitored and receive educational material about distracted driving in the enrollment period; (Arm 2) Free phone mounts Arm, this arm will be monitored through standard UBI and receive educational material about distracted driving in the enrollment period, and free phone mounts (Arm 3)+ Commitment + Habit tips, this arm will receive educational material about distracted driving during the enrollment period, be sent a free phone mount with installation instructions, sign a personalized commitment contract to reduce their phone use, set personal phone use reduction goals, and be sent personalized habit tips framed to help them reduce their handheld phone use while driving; (Arm 4) will receive all treatments assigned to arm 2, plus social gamification feedback, where each week participants are told if they've reach their weekly handheld phone use while driving reduction goal, and receive or lose points based on whether or not they met their goal. Based on their points participants can either move up or down a level. Each week the participants will also be sent a leader board of their ranking within their group. (Arm 5) will receive all of the treatments of arm 3 plus be entered into a financial incentive contest where they can either finish in the highest level and split the prize money amongst all participants that reached that level, or the safest driver (driver ranked #1 on the leader board of their group) will receive a small weekly financial prize.

Inclusion Criteria:

• Progressive Snapshot Users with policy activated within recruitment period AND reducing in a state which phone use while driving is factored into insurance rating at the time of enrollment
• Has email address

Exclusion Criteria:

• Progressive Snapshot Mobile App not updated to enable push notifications
• Baseline phone use must be greater than or equal to 2 min/hour
• Customer's Snapshot Mobile App does not collect trop data with all sensors active
• Customer in Snapshot program for <30 days or more >70 days