As an anecdote: I am the only one in my extended family who does not use the car insurance tracker. Everyone is calling me out on why I dont get the "free" discount.
People are being massively lied to about what is veing tracked and what is being done with that info.
Or maybe these services are a monopoly, where they could start eating babies and not loose their audience anyway
The best is when a service is paid and it still traks you, like amazon
I pay for email services (and make some use of gmail for junk/transactions).
I also would never use one of the insurance trackers. They literally have zero clue of what they are doing and interpret things backwards. E.g., they interpret higher g-forces as bad driving. Yet, as someone who has been through countless high-performance driving and race schools, had racing lisenses, and won multiple racing championships, I can tell you that what high-performance driving, whether racing or getting out of emergencies, is about wringing out of the vehicle, suspenseion and tires, every last bit of grip to maximally accelerate, brake, and/or turn. Of course, I'm usually very smooth and low-g on public roads, but if I do something like maneuver around an animal in the road, they'd see a high-G maneuver and charge me for bad driving, when in fact, I probably saved them from a claim.
It is a lovely concept, but the institutional idiocy really bothers me.
You could, but you don't.