PRODUCT: MissionSafe^®

COMPANIES: Westfield

BEST RATING: A

AVAILABILITY: Appointed agents and brokers only.

FOCUS: Sixteen percent of auto insurance customers participate in a usage-based auto insurance (UBI) program, according to the J.D. Power “2022 U.S. Auto Insurance Study," which was double the amount from 2016. And with significant auto insurance premium increases, UBI is appealing to a range of consumers.

MissionSafe^® is Westfield's new safe driving rewards program that gives eligible personal auto insurance customers feedback on their driving and provides incentives to encourage safer driving habits.

Also, customers are not adversely impacted by a low driving score. MissionSafe uses the overall driving score to calculate eligibility for renewal insurance discounts but does not impose a premium surcharge based on a low driving score. Even with the lowest driving score possible, the policy premium would be the same base rate that Westfield would have quoted if the customer had not participated in MissionSafe.

COVERAGE DETAILS: MissionSafe engages customers to enhance safe driving practices while earning a discount. Customers receive an automatic 10% premium discount upon enrollment and can earn up to a 40% discount at renewal. The average expected savings are 20%.

In addition to reducing the price of their coverage, insureds can use premium discounts for gift cards and charitable donations. Also, MissionSafe allows families to participate in safe driving activities together by sharing driving behaviors to encourage coaching opportunities within the family unit.

UNDERWRITING: All personal auto customers are eligible.

TARGET: Cost-conscious personal auto clients and families with young drivers.

COVERAGE AVAILABILITY: IA, IL, IN, KY, MN, OH, PA, TN and WV.

CONTACT: Steve Butler, personal lines product management & underwriting practices leader, Westfield; 330-887-6066.

Will Jones is IA editor-in-chief.