You mean will I pay more if I'm in an at-fault accident, regardless of speed? Absolutely. I don't see how that's any different than not allowing Progressive to monitor my habits; I've had the 30% discount since the program was on Beta and knock-on-wood, no claims so far. If I am in a claim, and my rates skyrocket to the baseline+accident level, then I will shop around.
Furthermore, I don't have the device in my car anymore. It was about 6 months, in which they monitored my driving habits. They seemed satisfied with the data, and requested the device back. I still have the 30%, and I am no longer being monitored. If they require me to put it back in - why the fuck not, I don't alter my driving habits. I save $20 a month so they can record enough data to show that I don't, essentially, ever make sudden stops or drive at 2AM during closing time.
Again - not biting on the slippery slope argument, THEYRE SHARING MY DATAS WITH EVERYBODY!!!! bollocks. They can be legally required to give it, but in the agreement I linked to it clearly says their policies.
Based on what I observe, they're smart for doing it, even if it means the rates for those who don't opt-in go up. I see too many people on freeways who are oblivious to what they're doing. People tinkering on phones. People who follow too closely out of habit, not out of aggressiveness. Every traffic flow mathematical model shows that leaving space in front rewards both the driver and the crowd around him - I'm taking my reward for being the good seed. Everybody else, let their rates go up.