This guide explores how insurers can effectively orchestrate telematics programs for both new business and policy renewals as adoption of telematics-informed underwriting continues to grow. Usage-based and pay-per-mile insurance models leverage real driving behavior to help customers better manage costs while providing carriers with valuable data to improve risk assessment. With more vehicles becoming telematics-ready, greater consumer willingness to share data, and shifting driving patterns following the pandemic, telematics is positioned to play a larger role in insurance strategies. A well-orchestrated program enables insurers to use this data consistently across underwriting and renewal cycles to support new business growth, improve retention, and enable more accurate, behavior-driven

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