Just Auto Insurance & Smart Car Partner – Affordable Insurance

Smart car and Just Auto Insurance have partnered to offer affordable and fair prepaid insurance to Arizona drivers. Smart car API is used by Just to increase customer convenience, reduce underwriting costs and decrease premium leakage.

Prepaid Insurance That is Affordable

Just Auto Insurance offers affordable, prepaid liability auto insurance through the Just mobile app. Just charges its customers based on their driving habits and mileage, just like other usage-based insurance companies (UBI).

Just a flexible prepaid model and continuous feedback loop to customers is what makes it stand out. Drivers add $30 to their account to be insured. They can then top up as needed.

The driver’s account balance has been deducted from the cost of each car trip after it is completed. Customers can also lower their per-mile rate by changing their driving habits.

Just insurance makes it easy to purchase insurance. Customers pay only for the distance they drive, and get a lower rate if they drive safely.

The mobile app is available for download and customers can sign up in under a minute. Drivers do not have to give detailed information such as a credit score.

Just Auto Insurance

Accurate and Seamless Mileage Verification

Smartcar’s mileage verification API enables Just to price risk more accurately, reduce underwriting costs and reduce premium leakage, all while maintaining the seamless user experience of the Just mobile app.

Just customers can connect their vehicles to the Just mobile app and share their odometer readings with three clicks. The customer’s monthly mileage can be retrieved directly from their vehicle’s instrument cluster.

Only drivers connect their vehicle once to enjoy a seamless, all-digital user interface. Smart car technology allows Just to measure the best mileage in the market without the need for expensive aftermarket hardware or manual reporting.

“Our partnership with Smart car further highlights Just Auto Insurance’s thought leadership, technical superiority, and technological superiority in auto insurance,” stated Murray Macdonald, Just Co-Founder, COO, and CTO.

Smartcar’s well-documented APIs and SDKs are a perfect match with our mobile app, which is customer-focused and has the best scoring engine. We will continue to offer new and innovative ways for auto insurance to be more affordable and accessible to everyone through this partnership.

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Affordable and Fair Insurance is Essential

Just and Smartcar’s partnership is coming at a time of rising costs and unfair practices that call for changes in the auto insurance industry.

Prices for personal auto insurance are on the rise. The U.S. has seen a nearly 30% increase in premiums since 2011, with some states seeing rates rise as high as 86%. Car owners often switch insurance providers because of the high cost of their policy.

Auto insurance premiums can be unfair, despite rising prices. Many insurers consider non-driving factors, such as marital status, education level, driving record, and driving history.

An increase in credit score of one tier can result in a decrease in insurance premiums by up to 17%. While mileage can be correlated with how many claims driver files, it does not affect insurance rates.

Murray Macdonald, Robert Smithson, and co-founders of Just noticed these unfair practices. They set out to make auto coverage more affordable and accessible for all. Just has been working to reduce costs and improve road safety since then.

Just is especially focused on uninsured drivers who come from low-income and underserved communities. Insurance providers often charge higher premiums for these drivers.

Murray and Robert searched for a way of accurately and easily verifying their customers’ mileage and came across Smartcar’s technology.

Sahas Katta, CEO of Smartcar, stated that “Just is seeing and solving these issues.” The premium for car owners’ insurance should not depend on other driving factors, such as their credit score.

They should instead be charged fairly according to their actual monthly mileage. Smart car is proud to be a part of this pioneering telematics-based, affordable insurance market.

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