US company Progressive Insurance has received a fourth patent for system technologies used with its optional pay-as-you-drive insurance programme, a usage-based form of car insurance. U.S. Patent No. 8,090,598 relates, in part, to producing a driver safety score based on monitored driving data. Progressive’s usage-based insurance (UBI) scheme, Snapshot, is available in 39 US states and the District of Columbia. It creates a personalised car insurance discount based on customers’ driving habits.