they don't necessarily have to gouge you, just not give you a perceived discount you could potentially have received. If they can get people to switch to them with this gimmick and then deny them the discount but still charge a comparable rate, many would still stick with them because they're too busy to worry about car insurance shopping...

that would imply they are smart/care enough to actually look into it instead of jumping at the chance to charge you a more profitable rate

Letting them track you is like talking to a cop who's placed you under arrest... they might convince you that you're being given a chance to prove what an upstanding law abiding citizen you are, but in reality they're only looking for the incriminating parts to hold against you. Its the marketing folks jobs to come up with hypothetical situations where you can save money so you'll switch to their brand... its the bean counters and their lawyers jobs to see that you don't ever actually qualify for said hypothetical discounts, and you are giving them the ammo...

Wonder how they would rate me if I took the bus to work for a week? Certainly wouldn't catch me speeding or accelerating/decelerating too hard, but I wonder how the frequent stops would factor in? Also if you didn't put your phone into airplane mode, would being a passenger in a 737 double your rates when they clock you doing 150+mph at takeoff before you ascend above cell reception range?

Fishing related explosion!? go on....

Also I hope his fingertips aren't rounded or Apple might have already patented that!

Corporations are not people, they are just property that can own other property! The 13th amendment outlawed slavery, i.e. The buying and selling of people as property, so therefore if a corporation can be bought and sold then they are NOT a person!

The worst security question setup I've ever seen by far has to be my College's Oracle PeopleSoft (eServices, Blackboard, etc). The security question is: "Excluding the state you currently live in, what other state would you most like to live in?" And you have to answer with a fucking dropdown list of the other 49 states!

bullshit! It's entirely possible to store password hashes that cannot be reversed... say I make a hash of both username and password, then combine the 2 hashes based on a formula dependent on the respective string lengths of the username and password, and then hash that combination and store the result. It's motherfuckin hashception! Even if someone stole my whole accounts table it would be worthless, since the stored hash's portion of the hash is based on the (unknown) password string length. Hell even if they had the whole table AND my login script it would still probably an eternity if you ever could get a password back out seeing as how the stored value is a hash of a combination of hashes and even with the known username hash, its unknown what parts of that hash were used since that is affected by password string length :P

Maybe its a charlie and the chocolate factory situation.. one of the lucky end users will be selected at random to br his new VP, you know in order to connect with the common man... Think Mr Joe the plumber goes to Washington