>"The (voluntary) programs, like Progressive Insurance's Snapshot use onboard monitoring devices to track information like the speed of the automobile, sudden stops, distance traveled and so on. Safe and infrequent drivers might see their rates drop while customers who log thousands of miles behind the wheel and/or drive recklessly would see their insurance rates rise."
Fast acceleration, itself, is not unsafe nor reckless.
Hard braking, itself, is not unsafe nor reckless.
Hard lateral G-force, itself, is not unsafe nor reckless.
Speed, itself, is not unsafe nor reckless.
All of these things could be in AVOIDANCE of one or more accidents as a reaction to someone else's poor driving. They can also be done perfectly within the law and perfectly safely.
A spy device in your car tells them NOTHING about how safe or reckless a driver is, it just allows insurance companies to make ASSUMPTIONS about your driving which are very likely to be incorrect and/or unfair. And giving discounts for using one is the same as penalizing those who don't.