In exchange for a discount on your auto insurance premium, would you consider allowing your insurance company to install a device on your car that would tell them everything about the way you drive?
Nope. My insurance is pretty cheap as it is, I don’t think they could give me enough of a discount to make that sort of invasiveness worth it.
No. Like **Renee **says, they couldn’t give me enough of a discount to make it worth it.
Plus, I live and drive in Chicago. There’s a lot of nutters out there, and and the streets are very crowded. Sometimes I have to stomp on the breaks, swerve to avoid an idiot, or go a nosh over the speed limit to get out of the way of an ambulance. I’m afraid that, while I consider myself a pretty good defensive driver and haven’t been in an accident for more than 20 years, the computer’s going to rate me a crap driver (compared to suburban and rural drivers who drive on nice wide, open roads) and I won’t get the discount anyhow. I think it could only make my rates go up, not down.
No, and I fear eventually all insurance companies are going to require it.
This.
Also cute name/thread pairing 
I am a very safe driver. All my accidents have been caused by other people - I have been rear ended by other drivers twice, and forced off the road to avoid being hit by someone who slid across a median into our traffic lanes [he forced 4 people off the road ultimately, nobody was hurt because we were going slow enough for road conditions and just ended up in the grass. He mangled the guard rails and totaled out his car badly.] Well, I also have about 6 claims for dings in my windshield due to road debris over the past 20 years - given that in the past 20 years I have also put well over 150 000 miles on various cars this is pretty reasonable.
In THEORY yes. In practice no.
I mean if God was watching how I drove and why I did what I did and said “this is a fair insurance rate for the way you drive” I could live with that.
But in practice I suspect insurance companies (driven by the invisible hand (aka the reach around) of the market) will use this as as way to frack you over. Kinda like when they drop your home owners insurance because you made a claim because a tornado hit your house or medical insurance makes it nearly impossible to actually PAY them by check/electronic deposit and then uses that as an excuse to drop you.
Oh, reminds me of a favorite saying I ran across on the net.
In theory there is no difference between theory and practice. But in practice there is.
I wouldn’t do it even if insurance with it was 100% free.