In April, Esurance introduced a technology solution that can block mobile phone calls, texts, email, Internet, and other smartphone applications while the car is in motion, keeping teens focused on the road, reducing distracted driving, and helping to save lives. Using non-pairing Bluetooth technology from Cellcontrol, the device is engaged when a car is in motion and limits mobile device activity during that time. It remains active in the background and usage is blocked until the car is completely stopped.

In 2012, Progressive introduced a new service for its personal auto customers. When searching for a new quote, potential customers can, with the use of their smartphone, simply take a picture of their drivers' license, take another picture of the VIN of the car being purchased, and send the photos via text message to Progressive. Within minutes, you get a quote from the insurer. Progressive's mobile app also lets customers pay bills, report damage and find an agent among other features.

Digital ID Card

Although it is still not legal in most states, Geico is offering through its mobile app a digital insurance ID card that gives customers all the information needed to share with law enforcement or other motorists in the event of an accident. You no longer need to search through the glovebox to find those elusive cards that probably have already expired.