Comparative Effectiveness of Financial Incentives and Nudges to Reduce Cellphone Use While Driving Among UBI Auto Policy Holders

Not Applicable

Completed

• Conditions: Automobile Accident
• Interventions: Behavioral: Weekly feedback; Behavioral: End of intervention period incentive; Behavioral: Loss-framed weekly incentive

• Registration Number: NCT03833219
• Lead Sponsor: University of Pennsylvania

Brief Summary

The investigators are proposing an experiment to help a national auto insurance company test behavioral economic strategies to reduce the amount of time policy holders actively use their cell phone while driving. Interventions include financial incentives, social comparison, and nudges, and survey data will also be collected. Data collected from this internal trial will be shared with the Penn research team and analyzed

Detailed Description

Not available

Study Timeline

• Study First Submitted: 2018-09-07
• Study First Submitted QC: 2019-02-05
• Study First Posted: 2019-02-06
• Study Start: 2019-05-07
• Primary Completion: 2019-10-30
• Study Completion: 2020-08-30
• Status Verified: 2020-09
• Last Update Submitted: 2020-09-09
• Last Update Posted: 2020-09-10

Recruitment & Eligibility

• Status: COMPLETED
• Sex: All
• Target Recruitment: 2108

Inclusion Criteria

• Progressive Snapshot Users with policy activated within recruitment period
• Progressive Snapshot policy holder in one of the following states and regions: MI, PA, TX, FL, TN, OR, GA, NE, OK, OH, MT, MO, NV, CT, WI, MD, KY, MN, NH, NJ, AZ, ME, LA, SC, CO, MS, IN, IA, AL, ND, UT, RI, WV, WY, IL, AR, DE, KS, SD, NM, VT, ID, and the District of Columbia
• Has an email address

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Exclusion Criteria

• Progressive Snapshot Mobile App not updated to enable push notifications
• Customer's residential address is in a state in which phone use while driving is factored into insurance rating
• Customer's Snapshot Mobile App does not collect trip data with all sensors active
• Customer in Snapshot program for < 30 days or more > 70 days

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Study & Design

• Study Type: INTERVENTIONAL
• Study Design: FACTORIAL

Arm && Interventions

Group	Intervention	Description
End of rating period incentive + social comparison feedback	Weekly feedback	Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant at end of intervention period regarding the amount they have earned.
End of rating period incentive + social comparison feedback	End of intervention period incentive	Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant at end of intervention period regarding the amount they have earned.
Larger weekly loss-framed incentive+social comparison feedback	Loss-framed weekly incentive	Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant weekly regarding the amount they have earned. Incentive amount is higher than "Weekly loss-framed incentive + social comparison feedback" Arm.
Social comparison feedback	Weekly feedback	Report user's handheld phone use/ hour of driving for week. Compare this week's performance to distribution for driver cohort.
Larger weekly loss-framed incentive+social comparison feedback	Weekly feedback	Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant weekly regarding the amount they have earned. Incentive amount is higher than "Weekly loss-framed incentive + social comparison feedback" Arm.
End of rating period incentive	End of intervention period incentive	Monitor throughout intervention period and compare overall use to distribution for cohort. Notify participant at end of intervention period regarding the amount they have earned.
Weekly loss-framed incentive + social comparison feedback	Weekly feedback	Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant weekly regarding the amount they have earned.
Weekly loss-framed incentive + social comparison feedback	Loss-framed weekly incentive	Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant weekly regarding the amount they have earned.

Primary Outcome Measures

Name	Time	Method
Seconds of active phone use per hour of driving	150 days	Percentage of driving time engaging in active handheld phone use (also measured as seconds of distracted driving/hour of driving)

Secondary Outcome Measures

Name	Time	Method
Seconds of passive phone use per hour of driving	150 days	Seconds of passive handheld, non-call use per hour of driving
Hard breaking events per 100 miles	150 days	notifications turned off, drop out of study, app uninstall
Hard acceleration events per 100 miles	150 days	Hard acceleration events per 100 miles

Trial Locations

Locations (1)

University of Pennsylvania; 🇺🇸 Philadelphia, Pennsylvania, United States