> All I know is that whenever I see their commercials it reminds me of how stupid they think their customers are I haven't looked into Progressive's program in

> All I know is that whenever I see their commercials it reminds me of how stupid they think their customers are I haven't looked into Progressive's program in particular, but car insurance is a huge information asymmetry problem. If I think I'm a better-than-average driver (thanks to Dunning-Kruger, most people do), then I'd benefit from my insurance company knowing more about my driving habits. Just because you value your privacy above the potential savings doesn't mean everybody who would prefer the savings is stupid.