00:00:07.000 --> 00:00:12.000 Routely® is intuitive, it's interactive, and it can be educational. 00:00:12.300 --> 00:00:17.000 Routely® is telematics-in-a-box, an easy way to roll out a telematics program within a company, 00:00:17.200 --> 00:00:22.000 provides good feedback, and helps us improve our loss ratios. 00:00:22.000 --> 00:00:30.000 Having something off-the-shelf like Arity enables us to roll it out a lot quicker, 00:00:30.200 --> 00:00:32.000 just makes a lot more financial sense to us. 00:00:36.000 --> 00:00:39.000 We don't just want insurance to be something when you buy to look like… 00:00:39.500 --> 00:00:41.000 you know, to think, “That's a pain, I got to pay my bill.” 00:00:41.500 --> 00:00:43.000 You know, it sort of makes it value added. 00:00:43.000 --> 00:00:47.000 It lets [customers] say, “Hey, I can save money, become a better driver.” 00:00:47.200 --> 00:00:50.000 We are promoting “safe driving saves.” 00:00:51.000 --> 00:00:55.000 And we're not just focusing on saving money with the deductible. 00:00:55.800 --> 00:00:58.000 We're hoping that we will potentially save lives 00:00:58.000 --> 00:01:03.000 by making our drivers, our customers, safer drivers on the road. 00:01:03.200 --> 00:01:10.000 Hearing the people talk about it so far, the fact that they're talking about their driving is really a good thing. 00:01:10.000 --> 00:01:14.000 They're looking at that going, “Oh, it dinged me for speeding. I'm going to try to do better.” 00:01:19.000 --> 00:01:22.000 You don't want an app to be annoying to the user 00:01:22.200 --> 00:01:24.000 because then they'll just they'll just turn it off. 00:01:24.500 --> 00:01:31.000 There's a whole team of behavioral scientists with Arity that's working to make the phone app addictive in a good way. 00:01:31.200 --> 00:01:35.000 They want to save more money, right? So we want to put the things in front of them to help them become better drivers 00:01:35.000 --> 00:01:37.000 so they can save more money. 00:01:37.400 --> 00:01:41.000 Are they seeing that they're…”Hey, I'm distracted driving, I'm speeding,” 00:01:41.500 --> 00:01:48.000 so we wanted to make sure to keep them engaged throughout it and enough to check and see, “Hey, how am I doing?” 00:01:48.000 --> 00:01:49.000 And, you know, encourage them. 00:01:53.000 --> 00:01:55.000 That's the reason we originally went with Arity. 00:01:55.500 --> 00:01:59.000 The score that they have is built on billions of miles of actual insurance data. 00:01:59.500 --> 00:02:01.000 And in looking at Routely®, it's just not the app, 00:02:02.000 --> 00:02:08.000 it's also the score that's been developed based on all the data that Arity has. 00:02:08.500 --> 00:02:13.000 And we would not have all that information to build a score on 00:02:13.500 --> 00:02:17.000 so having the app, having the score, you know, 00:02:17.500 --> 00:02:20.000 just made a completely turnkey product for us. 00:02:25.000 --> 00:02:29.000 The resources that Arity has been able to provide us has been tremendous 00:02:29.500 --> 00:02:34.000 because we've had to do training. And they've provided help with frequently asked questions 00:02:35.000 --> 00:02:38.000 and our online training for our agents, still shots, screenshots – 00:02:39.000 --> 00:02:41.000 anything that we needed went great. 00:02:42.000 --> 00:02:46.000 Having a partner like Arity at the beginning did provide a lot of insight because, 00:02:46.500 --> 00:02:48.000 honestly, without them, a new field like this for us ­–  00:02:48.500 --> 00:02:50.000 we would have just…the learning curve would have been huge.