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Another insurance company in California try to give a product that bases auto insurance rates in the number of miles driven, which allows customers who drive less to pay lower premiums.CAR RENTAL

The Auto Club of Southern California presented a classification scheme in June after the new state "pay-as-you-drive" regulations came into force in October 2009. GEICO. State Farm filed a similar application in May. Both qualification applications are reviewed by the California Department of Insurance.

Typically companies auto insurance based on their scores on the estimated mileage consumer report. The approach of paying for the drive to allow insurers to base rates on mileage verified. Consumers can report their odometer readings or opt for a "plan of telematics," which uses a technological device to track and report mileage to the insurance company. PROGRESSIVE INSURANCE. Details on what kind of device can be used to track the mileage are not yet available, but the rules state insurance underwriters prohibit the use of a device for monitoring vehicle location data for classification purposes.

Low mileage will be less expensive in the odometer verification plan compared with the common method, and even less expensive plan telematics, when the odometer readings reported.

FLORIDA CAR INSURANCE California Insurance Commissioner Steve Poizner proposed payment for the drive that the regulations in September 2008.

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Distractions driver accelerated when cell phones became popular. People were talking while driving. Then text messaging while driving became an issue and many states have outlawed as a result. AUTO INSURANCE. Now, cell phones have become "smart phones" and a new driver distracted by. Using the smartphone applications while driving - called "apping" - is leading to accidents and near collisions.

One of every four American drivers support the use of smartphone applications while driving, and four in ten drivers say they have been hit or almost hit by distracted drivers on their cell phones, according to a June survey by Harris Interactive for Nationwide Mutual Insurance Co. CAR INSURANCE companies have been keeping a close eye on the statistics relating to cell phone and smart phone use while driving.

As the number of cell phone features and applications multiply, consumers have more options for multi-tasking. Unfortunately, many choose to do behind the wheel. PROGRESSIVE AUTO INSURANCE

Most drivers use their smartphones to access the GPS, send and receive email, browse the Internet and read and send messages on Facebook and Twitter, the survey found.

Do not tweet and drive

A fear of 3 percent of drivers say they watch television, play games of two percent and 2 "tweet" percent while driving. PROGRESSIVE INSURANCE

"There is no message or tweet is so important that it is worth losing life," said Bill Windsor, Nationwide associate vice president for consumer safety, in a statement announcing the survey results.

Other devices may also distract. About four in 10 drivers have built-in technology in their vehicles, such as DVD players, GPS Music Search and Internet access. Of these, 91 percent of drivers use GPS, 85 percent use the video monitor / DVD, 82 percent use the music search function and 68 percent of the usability of the phone.

If you get in an at-fault accident - whether or not caused by the use of a smart phone while driving - your car insurance rates may increase.