New App-Based Car Insurance

by RaeAnne Marsh

Fewer people driving has led to insurance companies granting customers rebates on their auto policies, but a new company launching in Arizona can help people who don’t drive very often save money on a regular basis — not just under unique circumstances.

Just Auto Insurance is entirely app based. “From the point of view of the consumer, this is all about convenience. You download the app, give a few simple details – your age, sex, zip code, car – and then you have a per-mile price,” says CEO Robert Smithson.

“We currently sell direct to consumers. But we are developing partnerships with insurance agencies in the Phoenix area. This is an innovative product, unlike anything else on the market, and insurance partners will benefit from having this unique coverage option for consumers,” Smithson says, noting the corporation is actively looking for local partners.

Just Auto Insurance sees Phoenix as a good market for its product because it has a large number of occasional drivers, Smithson explains — both snowbirds who come to Arizona during the winter months and students at the local universities. “Many of these groups don’t drive that often, and don’t want — or need — insurance for the times that cars are sitting in garages or parking lots.”

Smithson also sees Arizona as a great state in which to launch a new auto insurance product. “The regulatory environment is very business and innovation friendly; if you can prove to the Department of Insurance that what you are doing is going to be good for the people of Arizona, then they will look favorably on you.”

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