Car insurance didn't always come standard with a set of keys. What started as a niche product in the early days of motoring has become a legal and financial necessity for nearly every U.S. driver.

Once considered driver improvement and safety devices, telematics programs collect reams of data that insurers now use to calculate risks, assess claims, set rates, and expand coverage options. Some ...

The evolution of car insurance: From first policy to modern telematics Car insurance didn't always come standard with a set of keys. What started as a niche product in the early days of motoring has ...