I’m more than willing to subsidize the more aggressive drivers in order to maintain my privacy. Joe Schmoe gets slightly cheaper car insurance than he “deserves” and my driving habits are known only to me. That’s a win-win for everyone except the insurance companies who want to collect data about our habits and monetize it to pad the bottom line.
When aggressive drivers pay more than gentle drivers, that creates an incentive for aggressive drivers to drive more gently. Some of them will, and that in turn will save lives, not just money.
