..in-car devices that insurance companies use to monitor policyholders' driving
Over my dead body. *find tiny cellphone antenna* *SNIP*
If you're a clever insurance company you ask people if they want tracking in return for lower premiums. If your competitors are charging $300, you make the "no" people pay $315 and the "yes" people people pay $285. Then all the bad drivers and all the people concerned about privacy go off to another insurance company. Given the success of Facebook and Twitter, it looks like only 0.001% of the population cares about privacy. Therefore 99+% of the people who move across to your competitors are probably not very profitable anyway. Win-win!
So it's saying "yes" or "no" to the tracking device that is the important part, not the driving data. As long as you have enough blinky lights (and a few real 3G connections) so people think they might be monitored, then you are golden.