[Jims5543]

A tale of 2 OBD2 boxes.

80 Year old lady - Barely touches gas, uses brakes lightly, never takes a turn over 15 mph = great insurance discounts.

25 year old woman - has to emergency brake because 80 year old lady above pulled out in front of her without looking and never touched the gas to get out of the way = insurance hit.

Edit - I refer you to Baz's video he posted from his Volvo, he had to hit his brakes hard and dive for the side of the road, the moron leaving the stop sign drives into his lane gently and gets an insurance break because the other person is the safe driver.