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In addition, the authors would like to thank the team that dealt with the day to day activities and was instrumental to the development and delivery of this paper: Derek Pankratz, Tim Janas, Nick Cowell, Nick Jameson, Elinor Chang, David Kornberg, Linda Li, Sarah Manuel, and Matthew Budman. The RightTrack in vehicle app will provide real time driving assessment and coaching for Subaru owners based on their actual driving behavior. For example, after each trip, a driver will receive a report based on their behaviors such as rapid acceleration or hard braking. Depending on their performance, Subaru drivers will be eligible for savings through Liberty Mutual’s RightTrack, a usage based insurance program that lets customers save on their auto insurance based on their driving habits. Subaru owners may also qualify for additional savings through Liberty Mutual’s affinity program– which Subaru of America, Inc. has been a partner of since 2002. Subaru of America, Inc. is a wholly owned subsidiary of Fuji Heavy Industries Ltd. of Japan. Headquartered at a zero landfill office in Cherry Hill, N. J.

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Another effect of the ruling has been that, while the premiums for men have been lowered, they have been raised for women. This equalisation effect has also been seen in other types of insurance for individuals, such as life insurance. Teenage drivers who have no driving record will have higher car insurance premiums. However, young drivers are often offered discounts if they undertake further driver training on recognized courses, such as the Pass Plus scheme in the UK. In the US many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25.