I agree that insurers will not offer unprovoked discounts. But the accessibility of this data will allow competitors to more accurately estimate accident likeli

I agree that insurers will not offer unprovoked discounts. But the accessibility of this data will allow competitors to more accurately estimate accident likelihoods at the individual level, price the insured risks, and undercut the incumbents for a subset of the population. Unless, of course, the federal government mandates that insurers cover all drivers at the same rates, regardless of pre-existing reckless driving habits.