Another way to say this: Bad drivers make YOUR insurance more expensive than it should be. I think there are a few problems: 1. The opt in should have been mu

Another way to say this: Bad drivers make YOUR insurance more expensive than it should be. I think there are a few problems: 1. The opt in should have been much clearer, and probably should have been a real option not just all or nothing. 2. However, anyone who opts out will have more expensive insurance 3. Which means you have to share data that feels very personal, or be treated like a 2nd class citizen - which feels very icky. 4. Companies are sensitive to customers telling them they are icky, at least until customers get de-sensitized to the ickyness.