Interesting question: can Tesla do this because their cars are safer, or because they already include the surveillance tech for which insurers offer discounts?

Interesting question: can Tesla do this because their cars are safer, or because they already include the surveillance tech for which insurers offer discounts? https://www.nytimes.com/2014/08/16/your-money/auto-insurance/tracking-gadgets-could-lower-your-car-insurance-at-the-price-of-some-privacy.html https://www.nytimes.com/2014/08/16/your-money/auto-insurance...