Usage-based insurance can be a good option if you’re a safe, low-mileage driver. But some insurers can raise your rate if your driving habits are considered risky. To help you find the best usage-based (UBI) car insurance, Yahoo Finance analyzed 20 major insurers based on six key factors: UBI enrollment discount, maximum UBI discount savings, whether risky driving with UBI can raise your premium, rate competitiveness, and overall coverage and discount options. Below are the companies that topped our ranki ...