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

University of Pennsylvania

Status: Completed

Conditions: Automobile Accident

Treatments: Behavioral: Loss-framed weekly incentive; Behavioral: End of intervention period incentive; Behavioral: Weekly feedback

Study type: Interventional

Funder types: Other

Identifiers

NCT03833219

693JJ31750012

Details and patient eligibility

About

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

Enrollment: 2,108 patients

Sex: All

Ages: 16+ years old

Volunteers: Accepts Healthy Volunteers

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

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

Trial design

Primary purpose: Prevention

Allocation: Randomized

Interventional model: Factorial Assignment

Masking: Single Blind

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2,108 participants in 6 patient groups

Control (monitor only)

No Intervention group

Description:

Continue in monitoring only mode

Social comparison feedback

Experimental group

Description:

Report user's handheld phone use/ hour of driving for week. Compare this week's performance to distribution for driver cohort.

Treatment:

Behavioral: Weekly feedback

End of rating period incentive

Experimental group

Description:

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.

Treatment:

Behavioral: End of intervention period incentive

End of rating period incentive + social comparison feedback

Experimental group

Description:

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.

Treatment:

Behavioral: End of intervention period incentive

Behavioral: Weekly feedback

Weekly loss-framed incentive + social comparison feedback

Experimental group

Description:

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.

Treatment:

Behavioral: Weekly feedback

Behavioral: Loss-framed weekly incentive

Larger weekly loss-framed incentive+social comparison feedback

Experimental group

Description:

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.

Treatment:

Behavioral: Weekly feedback

Behavioral: Loss-framed weekly incentive