There are two assumptions hidden in that which may not be true. First, that the way the insurance company uses the data is accurate. For example, if you work n

There are two assumptions hidden in that which may not be true. First, that the way the insurance company uses the data is accurate. For example, if you work nights, noticing that you drive at night might cause them to raise your rates, because more of the people who drive at night are drunk. You're not drunk, you're just commuting, but now you're getting punished for giving them data. Second, that you know what "well-behaved" is, because people who know they're being tracked will try to conform to what they think will give them a better score. So now you're focusing your attention on strictly adhering to some mental model of what you think the tracking device wants to see in order to lower your rates instead of leaving that attention to focus on actual hazards. Then you end up having to brake rapidly because you notice an actual hazard too late, which makes the tracking device penalize you more than all of your machinations were helping, or even causes you to get into a collision.