What are the benefits of usage-based or pay-per-mile insurance models?

When my coworker showed me her auto insurance app, I noticed it had a feature I’d never seen: dynamic pricing based on actual mileage. Curious, I tapped through to https://toggleauto.com/ toggle auto insurance and was guided by a friendly prompt to estimate my annual miles. The instant estimate felt so transparent—I toggled various options for roadside assistance and rental car coverage, and the total cost updated in real time. By the end of my coffee break, I’d picked a policy that seemed fair for someone who barely uses their car during the week.