Editor's note: This article first appeared on CarInsurance.com and is reprinted here with their permission. Click here for the original post.

Most of the top auto insurance companies have rolled out pay-as-you-drive policies in at least one state, and industry leaders expect the programs to refashion the car insurance market over the next several years.

But a good portion of consumers aren't ready to hop on board despite the promise of car insurance discounts, and many aren't sure exactly how the programs work, according to a CarInsurance.com survey.

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