I habitually exceed the speed limit, drive very aggressively, take turns very quickly, regularly drive on canyon roads pushing my vehicle close to the limits, a

I habitually exceed the speed limit, drive very aggressively, take turns very quickly, regularly drive on canyon roads pushing my vehicle close to the limits, and have never caused an accident. What should my insurance rate be? It's currently very low as I'm a safe driver according to the records (no accidents, no points, no tickets in the past few years). If the insurance company tracked my driving, I'd be paying much much more, even though I'm not actually costing them any more, while "safe" drivers (who regularly impede traffic and push others to make more risky maneuvers; consider the Prius in the left lane on 101 going 5 under) would get cheaper rates. This would also kill the sports car industry. A very small number of sports car buyers ever drive their car on the track. Most have fun away from cops, on the streets. If you knew that you couldn't exceed the speed limit, corner with more than 0.2g of force, etc without getting a ticket in the mail or otherwise penalized, it would surely keep people in compliance for the most part, but utterly destroy any demand for vehicles capable of exceeding those limits. I don't doubt that these types of changes are coming, which is why I choose to have fun now. Back in my day, they used to let us actually pilot our own vehicles!