Pay as you drive

The amount and extent of a coverage — and how it works — will vary depending on your choices. To learn more about coverages, opt out, and lower or increase certain limits, call the Noblr team at 877-BE-NOBLR (877-236-6257).

Your premium is made up of a fixed rate and a variable rate. Your fixed rate won't change during a policy term as long as your cars, drivers and coverage don't change. Your variable rate changes each month based on how safely and how much you actually drive.

Scoring factors vary by state. The pay as you drive app scores your trips in real time to save you money. We team up with the technology that's already in your phone to calculate the following:

• Mileage. How much you drive. Driving less saves you more.
• Smoothness. How hard you accelerate and brake.
• Focus. Whether you handle your phone while driving. Hands-free mounts and functions are your friends.
• Road choice. In some states, it matters where you drive. In Arizona, Colorado, Louisiana, New Mexico, Ohio and Texas, highway driving is preferred over city streets.
• Time of day. When you drive. Avoid driving from 11 p.m. to 4 a.m.

The pay as you drive app runs in the background and gathers the following details about each trip you take:

• Location
• If you're the passenger or driver
• Mileage
• Smoothness
• Focus
• Road choice
• Mode of transportation
• Time of day

We collect, use and store your data consistent with the Privacy Policy and Terms and Conditions. We won't share your data except as provided in the Privacy Policy.

In your first 6-month term, the Noblr Promise makes sure that your monthly cost won't exceed the specified maximum, no matter how well or how much you drive. The max amount is based on information about your cars, drivers and driving history. It won't change if your cars, drivers and coverages remain the same during your first term.

Noblr Promise not available in all states.

First, you have to download the pay as you drive app to your smartphone.

• Search “pay as you drive” in your app store or use one of these links: iOS Opens in a New Window or Android Opens in a New Window.
• Once you've downloaded the app, follow the prompts to log on with the username and password you set up when you bought your policy. If you've been added to a policy as an additional driver, check out the next FAQ.
• Then follow prompts to enable location and other permissions for the app.
• We use location to measure how much you drive, so your rate is accurate and personalized. It's how we help you save money. Set it to “Always Allow,” so you get the most accurate rate.
• On iOS devices, "Motion & Fitness" must also be enabled to accurately log your trips. For Android, "Physical Activity" must be enabled. We use motion to measure your driving behaviors, like braking and smoothness, to give you the most savings we can.
• On Android devices, "Phone" must also be enabled to measure Focus. We don't log, listen to or store anything about your calls.
• You can find all your account information and documents in the app, so make sure you install it and log on.

Each driver on a pay as you drive policy needs to download the app on their smartphone. They'll log on to start their membership and drive their own rate.

Once they download the app on their own mobile device, they'll select “Set up your phone” and create a new account using their own email address. The app will automatically add them to the primary's account.

Go to the App Store to download the app for iOS. Visit Google Play to get the app for Android.

The pay as you drive app tracks all your trips whenever you're in a moving vehicle. The app also displays whether you were driving on each tracked trip. If the app indicates you were driving when you weren't or if you were driving a commercial vehicle for work on a trip, you have up to 14 days from the date of the trip to change the trip type in the app.

To change trip type in the app:

• Select “Trips” from the top of your app dashboard.
• Find the trip that you want to change and select it.
• Tap “On this trip I was driving” to reveal a dropdown menu.
• Choose the appropriate selection for that trip.
• The app will automatically save your selection.

Noblr Rewards are discounts that we apply to your monthly variable rate. These rewards could benefit you if you:

• Buy a policy today.
• Pay the fixed part of your premium in full.
• Renew your policy at the end of your 6-month term.