It will have a lot less to do with who is driving and a lot more to do with where and when you're going someplace.

No two roads are created equal and neither are the unique driving conditions that change by the minute.

It's been such an unknown variable it's never been considered a possibility to impact the auto insurance bottom line.

However, data has no limits and today we're on the verge of this new information adding a lot to the conversation.

That's what I talk to Carey Anne Nadeau, Founder, and CEO of ODN, about knowing the true cost of real-time road conditions.